Hi, new on here.

I have also had same letter arrive (in my previous married name even though i told them my new surname)yesterday stating HPH2 taken over the debt.

Yes i have a debt, stupidly entered into during marriage but genuinely thought if we split debt would be shared between both me and Ex husband.

This is an AA Loan of £3920 Ex has gone underground so now after just me.

Statue barred could you explain if it is from last payment made or last communication with debt company.

I communicated 2014 advising financial situation and it went on hold.

I last made a payment to AA in 2012 i think when i just couldnt manage payments on my own.

Could anyone advise do i contact them and wait the high demand for money or sit tight and see if they try again.

Thank you for any help.

As with that other thread

Send our sb letter

Thank you.

If it isnt SB what will sending the letter trigger as i dont have a definate when i stopped being able to afford the repayments, but have a definate date when i communicated with the Debt Agency. Sorry just worried it will trigger some court action or something if not passed the 6 years.

Having read the information on SB because i acknowledged the debt by asking if they're chasing the other signature on the loan back in 2014 and offered £1 per month which was never declined or accepted that makes only 4 years 3 months so not the 6 years.

As i have not moved home only remarried i think i may be out of options and avoidance for 20mths could be hard.

the letter is only a NOA is it not?

its not demanding anything.

its just one that they must send if they transfer assets around their group.

as far as your letter in 2014 goes.....

we've not seen a court case here whereby the fleecers have won by using these letters

may sent under duress or under a mistaken belief that a DCA holds some magical powers and must reply.

either leave it or send our SB letter

even if they reply with ref to your comms, I cant see them risking it meself.

its clear a payment has not been made within 6yrs