Hi dx100uk, Thanks for you reply, I did not “make” my father take it out in his name.. .at the time it was done for some reason or another but can’t quite remember why, Date of the default is 10/01/2014 last known payment would of been before this,. ..but no idea when as it was such a long time ago... however the fact they have the default down in his name.. .but the incorrect address surely must void it in some way? He has lived at his address and on that electoral register for 30 years plus...

Hi guys, and apologies if this is in the wrong section, I had a phone contract with t mobile back in 2005, it was under my fathers name, when I moved in with an ex partner a few years later I was on the electoral role at her address, Now there was a default on the mobile account in October 2014, for £50 according to his credit file, he is being penalized with this on his credit file... it is however my bad that it’s on there.. however it has the his name on the default, but it has my ex partners address?? So kind of confused of where to go next as he is trying to renew mortgage an this is doing him no favors.. he had obviously never lived at the address on the default either....

Hi there, I will check the last letter I received before this but I don't believe it was an enforcement letter giving 7 days?

Yes I did ignore it, as I completely explained in the post. And no I haven't been on any sites until this

Hi guys, so here's the outline.... Had a parking ticket from Runnymede council, I didn't pay this parking ticket, (my bad) Had a couple of letters from Runnymede council stating that the mount had gone up to £112 Again I stupidly ignores these letters, I then receive a letter from rundles stating that it had been passed to them and they were going to recover the debt, it was now £187 to pay them, I called them to state I'm willing to pay an amount but I'm not paying that I owe Runnymede council and NOT them, The guy on the phone was an a-hole, it ended up heated and the call was ended, I then called up and paid £90 on they're automated system, Two weeks later I get a letter through the the door from a bailiff visit stating I owe £332, I call up rundles again and state that I had paid £90 and willing to pay the outstanding amount of £97 to clear the £187, They agree this and then say I still have the bailiff fees, I say well I'm not happy to pay this as I don't owe anymore that what I have paid, the advisor then goes away to listen to the first call etc etc, she comes back and states they can't find the call and will need to just send an email if I want to challenge the bailiffs fees..... Soooo my question is where do I now stand?? Any help would be greatly appreciated!

well i thought it was actually earlier than 2005.....although i cant be sure as i no longer have any of the paperwork, but yes it does sound convenient that its nearly 6 years...and yes it does look like my signature...although the written date under the signature is 100% not my writing.....hmmmmmm?

Hi guys, so i have had mackenzie hall chasing about a debt from welcome finance, im pretty sure it is a statute barred debt, so a couple of weeks ago i sent off the CCA letter just to make sure, to be honest i was thinking they wouldnt turn up with anything...until this morning when i had a smug letter from them attached with a photocopy of the agreement i signed, the date of the signature is 23/6/2005, now i am 95% sure i havent made a payment or any contact with welcome finance in 6 years, where do i stand now with fighting this? statute barred letter or do you guys have any other ideas? thanks again, Dazza

hi guys, so i have been getting letters from mackenzie hall for the last couple of months, threatening this that and the other, i am 90% sure it is statute barred, i sent the CCA letter about 3 - 4 weeks ago, i have had no reply from them, the letter was sent recorded with the postal order enclosed, the only reply i have had is a text from them sayin ring this number urgently and speak to blah blah blah and quote some old number, now obviously i havent done this, so what would be the next steps to take? do i wait and see what they decide to do or send another letter? any help would be greatly appreciated! cheers dazza

Ok, so if the defaults are still there, who would I contact to remove it? The dca who were chasing or the original creditors?

So now if a dca sends you a letter confirming it is statute barred and no further correspondence will be made, can I write to them to take it off my credit score? Or what is the process for this? Thankyou!

Good news, just got home and the first debt letter from fairfax has stated the case is closed as it is statute barred! Excellent, just got to wait an see what Mackenzie hall have to say.....

Great, yes I will follow that advice, I am pretty sure it is statute barred but like u say I will wait and see what these scummers have to say first, and a non compliance letter will be on it's way! Thanks once again, I will post up and let you know how it pans out! Kind regards Dazza

Silverfox thanks for your advice, so should I send them the doorstep harassment letter immediately? Recorded delivery of course? Or wait and see of they turn up? Also if the 12+2 days goes by then what happens? Thanks Dazza

Hi thanks for reply, also is it true that the dca have only 12 days to reply to a cca request?? Or am I imagining this..??

Hi guys, firstly I have read and used this website many times for advice and it really is helpful! So anyway here is my first post I do hope it is in the right section?? Basically have had a couple of debts from many years ago which I'm 99% sure are over 6 years old and are statute barred, One is being chased by Mackenzie hall, and the other is fairfax solicitors both the debts total about 2500 roughly, Put a long story short I got loads of advice from This website and sent the CCA letter and postal order to both firms, this was done recorded delivery on the 5th April, I have heard nothing since apart from another letter from Mackenzies still threatening court etc etc but totally ignoring the fact I have requested cca, Then a couple of days ago I received a postcard from ashworth law?? Stating they will be visiting my address on the 30th April, now I am currently living at my parents address so obviously this is not nice for them either, I basically am just after some advice on where I stand IF these people turn up, as I have requested CCA from both these ****** companies and haven't received sod all! Any advice would be highly appreciated!! Thanks Dazza