Hi dx100uk, Bankfodder. I have just danced around my kitchen with a big (relieved) smile on my face! A letter has just arrived from PRA Group in response to my SB letter and it confirms that the debt has become statute barred and Is now closed on their system. Also, not they or any other party will make contact in future. A massive thank you for all your help!!

Thanks Bankfodder for the quick reply this has been on my mind all Weekend! when you Say they will be able to have any claim on any PPI payouts do you mean will not be able to? i’ll get the letter sorted and sent. Is there a new/latest statue barred letter template someone can point towards please?

Hi All, Been a while since I’ve posted on the forum. Firstly, I must say how much this community has helped me through some very stressful times in my life. A BIG THANK YOU!! My question is relating to a Sold debt to PRA Back in 2004, which I did pay towards until December 2012. Fast forward to 2016 I move house and started checking PPI on old accounts. after contacting Lloyds I was successful with redress directly to me for a number of old personal loans. Moving on to 2018 PRA start calling me work mobile phone and I block the calls, which bounce t

Hi Noneprovided, Has anything be heard from PRA since your CCA request? All the best iwcmd.

Would that still be true if OH now worked for said bank? Iwcmd.

Thanks dx, Bit more background on my Lloyds situation: I left an old current account with a big overdraft oweing, which was due to loan payments being constantly taken with no money going in. I don't have a current account with them now only mortgage and personal loan. Would SAR to LLOYDS stir any trouble for my existing facilities I.e. What is the likelihood they would put 2+2 together? Also being so old surely I have no chance with PPI reclaim? Many thanks. Iwcmd.

This is my worry - been over thinking the situation and starting to be all I think about everyday. Thanks again and look forward to input from others hopefully. Iwcmd.

Thanks for the quick response martin2006. Forgot to mention my current credit facilities are also with Lloyds.

Hi all, Been sometime since I posted and always an avid follower of CAG, which has seen me through some tough times! A long story short is I am now (touch wood) in a better position financially with a clear credit file and manageable credit facilities (loan,credit card) including mortgage. I do however have one old debt that I need advice on: Around 1998 - 2000 I took out a big loan for around £20k and then a second a year or so later for around £10k (young and in experienced). Defaulted both around 2003/4, sold to Thames Credit/Atkiv now PRA and dropped off credit fil

Morning all, Been thinking about this and would I get a threat of court action before any proceedings ? Basically what is the likelihood of going straight from maybe/if letters to court papers without notice? The waiting game is so agonising !

Thanks again for coming back to me on this. I understand what your saying. Best not poke the ashes to end up restarting the fire. I know I'm nowhere near some of the peoples situations on here, although I'm still nervous as the SB approaches wondering if Cabot will do something devious. With CAG support I've gone through some really tough times - ccj's, pressure and stress from multiple DCA's (almost giving into going bankrupt) and managed to come out the other-side clear credit file, able to get credit again and now even considering moving house next year! Anyway, long sto

Thanks DX for the fast reply. Would it still be worth sending some sort of letter to them after SB date stating statute barred, so they confirm it back to me? I'm visiting my parents during the SB date, so thinking to prepare a letter and send recorded delivery while I'm away. Any thoughts or comments are much appreciated. All the best Iwcmd.

Hi All, Been some time since I posted here. Cabot have been sending the basic 'you owe' letters every 3 to 4 months, however today I've received a notice of arrears 'statement' with reference information about financial conduct authority. I have not paid anything to them or acknowledged the debt since being tricked into paying back in August 2008. My question is I have 2weeks until statute barred, so in anyone's experience with Cabot should I be extra worried or expect any sudden court action to be taken or is this just another way of trying to make me contact them? I

Hi BRIGADIER2JCS I hope all is well for you. I am going o send a SB letter to 1st Credit now as its past the 6 years for no payment / no acknowledgement. My question I need your input on is should I use the standard SB letter bearing in mind it references 'not having heard from the DCA in the time period and no communication with them from me' however I have CCA'd and SAR'd them, so should I change the wording on the standard CAG SB letter? Or do you have any modified SB letter templates that would be more appropriate? Many thanks for your assistance. all the best

Hi guys, Thanks for your input on this. Indeed, my credit file has no adverse history on it anymore and all my current financial liabilities are up to date. Regarding the letter I received back from Cabot it states the enclosed docs are copies of their response to my cca request back in 2010, however these documents contain the following: - Paragraph - 'This is a copy of your agreement' - Paragraph - Halifax credit card conditions of use - A previous address, however not the original address where I lived when the application was done. - One set of Interest rates on b