Thank you You reply is much appreciated

Hi everyone, Today I received a cheque from Lloyd bank for interest thatI they had charged me in error after my debt was sold to a DCA many years ago. This debt is now Statute Barred and the DCA have acknowledged this and can’t produce any documents to support the Debt anyway. If I cash the cheque from the original lender could this have any consequences such as making me liable again for the old debt. Don’t mean to sound grabby but the money would really be a god send at the moment.

Thanks Andy.

I will leave it be now dx, I was just looking for advice,. I get the message,look for yourself

Well...Thanks for that. I feel a whole lot better now that you have pointed me in the right direction. Note to self: Don’t post on a Consumer Action Group asking for advice unless you have searched for all the possible answers to your questions first. Don’t sit there and worry when you can stand and worry and read so much online that you just don’t know what is the right thing to do as there is so much conflicting advice. That is a rubbish way to answer a post from someone looking for help by the way. Me:I have a problem,anyone have any ideas on how to proceed. You:go and look it up and stop worrying. Well there you go.,..I’m all good now

What’s a like thread? Sorry to sound stupid,but maybe you mean don’t ask a question until you have read all the post on here in case it’s already been answered. If so, sorry about that....must be a pain having to answer the same questions over and over.

Hi Guys, Posted a few months back and wondered if I could call on your help again. To recap. Defended a Debt as Statute Barred. Claim now stayed for about eight months. Received a printed copy of a CCA from Restons and Arrow along with copies of statements. Here is the thing though.....The statements show the last payment to be 2009 so supports my defence. They have stated in the letter that as now proof of ownerships has been established that I should pay the debt or they may have to look at continue with Court proceedings. Do I need to reply to this or just sit and wait. Any advice would be much appreciated

I submitted my defence on the 16/05/2017 and have had a response from the court confirming. Restons have also received my defence and responded with the N9 form. Hope that makes sense to you and thank you again for replying.

Thanks for taking the time to respond, especially on a Bank holiday... such a great bunch of people on here . So I will ignore as per the advice here. Any ideas what will happen next ? So my defence is in ,do I have to do anything else online on MCOL or do I just wait to hear from the court?

Hi I have had a letter back from Restons. To summarise it says that as I am defending as Statute Barred that they do not have to adhere to the request for CPR. that if I send in templates letters garnered from websites that encourage people not to pay their debts then I am wasting their time. stated since the last payment date was the 06/04/2012 then my defence will be struck off and judgement made if I don't send of the N9 form within fourteen days. that I should have sent proof if I disputed making the payments such as six months of bank statements from the date of payment. Any ideas what my next step should be.

There is no old debt on my current credit file at all and my credit rating is good...

Crikey,does it! I took this action on the advice of a Debt Charity. The claimant has not responded yet to the Statute Barred defence. I suppose my main concern is that my credit file from 2012 shows payments made in the previous two years when the actual payments were made in 2009. That is the only thing that I can't explain or reconcile with my own bank statements. Do you think I am done for now then and if so should I be looking to negotiate with Restons/Arrow. And yes I used the defence from here.

I have sent a SAR,CPR and a CCA And also filed defence as Statute Barred.

Sorry the payment statement was from the Consumer Credit Councilling Sevices not the DCA. It just listed my payments and date taken. I have sent out Cca,SAR and tCPR

Name of the Claimant ? Arrow/Restons Date of issue – 15 May 2017 Date to submit defence = 16/06/2017 What is the claim for – 1.The claimant claims payment of the overdue balance due from the defendants under a contract between the defendant and Sainsbury's Bank. dated on or about Aug 04 2006 and assigned to the claimant on April 23 2013. Particulars a/c no xxxxxxxxxxxx Default balance £5432.11 Post Refrl credit Nil Total £5432.11 What is the value of the claim? Around £6k Is the claim for a current (Overdraft) or credit card /loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? 2006 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.Assigned a few times over I think Were you aware the account had been assigned – did you receive a Notice of Assignment? To that I know of. Did you receive a Default Notice from the original creditor? Im not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Again not sure. Why did you cease payments?Financial crisis What was the date of your last payment?01/11/2009 – They state that it was March 2012 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan ? Yes