Just a quick update First was sent a 2 page doc - containing names and address and bank details - but no dates or cost or signatures. After sending statue barred letter, i have received an answer to the effect that they agree and will no longer be pursing this matter 1 down!!! Thanks for the help Saffy xx

Hi I have checked Credit report and it does not appear. Maybe I should just go the 'Statue Barred template' Thanks for your help Saffy

Hi I am 95% sure that it is statue barred. The debt came about when I bought the car with my ex partner in either 2000 or 2001, relationship went wrong and I could not afford the repayments. I did the usual hand in sand thing back then but have decided to sort all the old problems out as the letters are beginning to depress me. To my knowledge no contact has been made but not totally sure Thanks

Good Morning all I stupidly bought a car from yes car credit back in 2001 To cut a long story short I have had no contact with any body regarding this debt I recently received a letter from Aktiv Kaptial and decidng to tryning to sort this out I sent the prove it letter by email to them This morning i find a reply with an attachement The attachment shows car reg and contact names and addresses and bank account details but no dates or signatures or financial details The email from them says that this is proof and that they want propsals for payment in the next 14 days I have replied asking how they consider this proof and asking for a staement of account as I believe it could statue barred. Is this right thing to do or are their other letters i should send Thanks Saffy

I wish it was only one! there were a few! Thanks

That explains it - Thanks Whats a fair settlement figure - Is it original loan + 1 months interest? Do i offer it to DCA or Original lender? Thanks

I did that this morning I have been getting letters from Daniels Silverman but I month Loans emailed this morning stating that Clariy have been assigned the debt Clarity have not made contact as yet but the address on the letters that i have recieved from silverman has the address slightly wrong

:|Hi all I have a small mystery on my hands I took a payday loan with a company called '1 month loans' and got into a position where i could not pay it back on time. I have now took my head out of the sand and am trying to come to agreement to pay back the loan. Here lies the mystery I have received letters from a company called Daniels Silverman asking for £400+ I found an email from 1 month loans offering me a full and final settlement of less and emailed them to ask if this is still a current offer. I was told no - but that they had passed the debt on to Clarity and not Daniels Silverman! I called daniels and they have the debt showing for them to collect - Clarity have not made contact as yet. A friend has lent me some money to clear all these bits so i will be able to make a full and final offer but to who? I would like this one sorted as i have a few to sort out but cant get to the bottom of who should I pay and how much i should pay Anybody come across this before? Thanks Saffy

Hi Just to let you that parts of City Link are still Franchissed as they are in process of still buying them all back Saffy

Sorry forgot to add I have already asked the to remove the PPI as it was mis-sold to me as it will not pay out in my circumstances Saffy1967

Hi All, Looking for some advice, I recently took a loan with Welcome Finance(More fool me!!) Can somebody Check the figures for me? The agreement states 58.77% interest however I get figures of 88%! Credit for insurance (Payment Protection) £978.63 Personal Accident Plan £175.00 Amount Advance £2000.00 Acceptance Fee £75.00 Interest Charge £2560.64 Duration of agreement 36 months Monthly payment £155.95 Are these correct? Also should my agreement have a total payment on it somewhere? Confused Saffy1967