Hi dx It's with Step Change. Yes that is the balance outstanding plus interest.

Ok cheers again. So accept their offer with removal from Credit File? I was a bit unsure whether to hold out and submit to FOS for a better recompense.

Ok many thanks and thought as much. I will keep Forum updated of any developments.

Hi, My Son took out various payday loans in which I suggested that he submitted various Irresponsible Lending Complaints due to the state of his finances at the time in which he is now on a Debt Management Plan. He has received an offer on one from Quidie offering reduction of balance to Nil from £29.38 plus refund of interest of £8.36. They also said that his Credit File would also be updated accordingly. I know it is now a small amount but in principle should he accept or escalate to the Financial Ombudsman? Details of original loan : Opened: November 2022 Period: 4 x Months Credit: £200.00 Interest: £100.87 Total Payable: £300.87 APR: 1,272.20% Thank-you for looking.

Cheers Andy SB letter in post then

Just checked previous details received a few years ago from Resolvecall in which I did not get any further response. Last payment made on account was July 2015.

OK dx many thanks again and will do. I will keep forum posted on the response.

Sorry dx no that was for my OH. I might have posted something for me a while ago for Halifax Card regarding no production of original CCA. Shall I still forward a Statute Barred letter to Intrum?

Hi, I today received a letter from intrum advising that my debt will now be managed by a company called Resolvecall, and that they also specialise in home visits to discuss a repayment plan going forward? I did send DCA a CCA request in 2020 and heard nothing since. I am certain that the debt is now Statute Barred. Do I send the usual letter to intrum?

I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.

Hi just an update. I today received a reply from Lowell's to the Statute Barred letter sent. "We have reviewed your account and decided to take no further action to recover the balance. We have now closed the account". Thank-you again for your help.

Many thanks again as always DX. I will proceed with Statute Barred letter to DCA first and take from there.

Cheers dx. Did you say Statute Barred letter in Library? I have not changed my address for nearly 24 years. My concern is Barclaycard may have refunded some small charges (not at my request) within 6 years ago but not recently. My debt balance slightly less than I thought. No previous PPI on the account. Sorry but trying to rake my brain at the moment before the best course of action.

Ok many thanks again both of you and will keep you posted. May opt for the prove it / CCA letter first to the DCA as unsure exactly when last payment made.

thanks Andy. send Prove the debt letter / CCA request to Lowells from this site? Or GDPR? Or do nothing?