hi mr rubbish84, send them the statute barred letter, if you scroll up to odc on his reply to raza 1696 you will see a link you can click on go to letter m, write it and amend it to your own details. send it recorded delivery and keep all letters and slips for safe keeping. sit back and wait for a reply, ts is trading standards, oft is office of fair trading. hope this helps, good luck.

hi all, recieved a letter today from red/lowell 13/3/08, and guess what, I WON!!!!!!! my £15643.33 in now £0.00. the letter states as follows; our ref:******** original creditor: HSBC BANK PLC balance outstanding: £0.00 I am writing to inform you that further examination of your account it has become apparent that it is now subject to section (5) of the limitation act 1980 and as such we have now closed the account and can confirm no further correspondence will be sent to you. please accept my apologies for any inconvenience caused by this matter. your sincerly andrew bartle cheif operations officer. thankyou to everyone who gave me advice, especially ODC. i hope everyone on this thread wins the fight against these predators and i wish you all the best ebony and reg:grin:

i have already reported them to oft, what is the address to ts thanks

hi, i dont believe it, just has i turned off my computer from my last reply to you, another letter off lowell has just dropped on my door mat. it says the agreed payment of £6000.00 has not been honoured and the account is in arrears, asking to contact them immediately for immediate payment, yea right!! i dont think either one of these people now what they are doing, what shall i now do about this as in 1 letter they telling me they will try to sort it, then on the other hand telling me im in trouble if i dont pay up. just want these people off my back now once and for all. thanks ebony and reg.

hi odc, what do you think i should do now? i want to make sure i dont slip up with these people.

hi recieved a letter today 29/2/08 off lowell saying they have recieved my letter and are looking into my enquiry and will respond to me asap, they said they will try to resolve it as quickly as possible, cant give me an exact date as these enquiries take time because of trying to retrieve info from original client or external bodies. alison sheperd did guarentee me though, my enquiry is being dealt with and no need for me to write to them again. im a bit dubious of this, do i still need to have my sd set aside. i dont trust these people one bit. what do you think will happen now? should i just forget this now till they contact me again? thanks ebony and reg:confused:

thankyou, im gonna send these clowns a letter as well, i will keep you posted,

hi, had letter today (27/2/08) from lowell saying that; i have pleasure in confirming that our client lowell portfolio1 ltd are prepared to accept the sum of £6000.00 in full and final settlement of your personal liability to them. this sum will only be acceptd provided that cleared funds are recieved by us, no later than 29/2/08. we look forward to recieving the outstanding balance and bringing this matter to a satisfactory conclusion. please ensure payment is sent by return in the pre-paid envelope provided. yours sincerly andrew bartle. i sent red debt a 1st class recorded letter with the statute barred letter which they would have recieved on saturday 23/2/08, now lowell are sending me letters like this. do you think i should sent these a statute barred letter, it semms funny because these are part of red debt. also noticed on the envelope the postmark says 28.2.08, 00;05am, 20002910. but its the 27th today? they also have about 3 or 4 different addresses so which one is the correct one. what do you think i should now, many thanks

hi topspeed007, i wish you all the best and hope the letter we sent will be the end of it, if not i will be fighting it all the way, will keep you posted of further developments, good luck:)

just to let you know that i have wrote a letter to the oft in london complaining about red debt and i have included all copies of letters that they have sent me and included the copy of my statute barred letter that i have sent them, the more complaints these b***s get the better, i hope they have enough complaints to have there licence withdrawn, is there anywhere else i can write to to complain, thanks

thanks i will keep you posted on what goes on,

hi odc, thanks i did send the letter 1st class recorded signed for, i will go to my local county court and have it set aside for the grounds of statue barred, what will happen after that? sorry not sure how to tip your scales.

sorry another question, would a telephone call act has a acknowlegement or debt or just unmissable evidence, i would assume it would only count if written confirmation. thanks

hi had letter off red which they claim my husband owes £15643.33 which defaulted in 2001 which i might add my hubby knows nothing with this letter was 2 more letters being statutory demand under section 268(1)(a) of the insolvency act 1986. debt for liquidated sum payable immediately saying i should present this to my local county court to be set aside, i am really confused because i thought they could not take anyone to court or apply for bailiffs if it was statue barred, a recent telephone conversation with them saying we requested all the info on this loan, ie;amount of original loan, date taken out, date defaulted payments, how much charges cost, who debt was passed on from and so fourth, they said they didn't have this information on the amount what we owed, anyways i have sent them a letter by recorded delivery fao; andrew bartle at red stating my rights on statue barred debts, am i right in doing this or should we be worried about it, look forward to your reply thanks

hi i have contacted red debt collections services anonymously and had a go at them for wrecking peoples lives and about breaking the law, they replied that its not against the law to buy a debt of another debt agency but when the debt is statue barred they cannot take it to court for the money or send bailiffs, so i asked why they were still asking people for the money then, his reply was they took loan out or credit card and spent it happily now they need to pay up. i then put the phone down in disgust.

please can anyone help me, my husband recieved a letter from mackenzie hall oct 07 saying my husband owed a debt of over £15,000 pounds, we then had lots of text messages (nasty ones) threats of all sorts, by this time i'd had enough, i wrote them a letter stating my rights the debt is statue barred as it was defaulted in 2001 and not to harrass me again which i sent recorded delivery and kept copies for myself, didnt hear anything till today 21st feb o8, a letter now off red debt part of lowell saying they are now going for bankcrupcy and if i dont pay it will be bailiffs coming round, do you think i should send them the same letter i sent to mackenzie hall as it seemed to have worked or can you guide me on what other way i should go about this. kind regards ebony and reg

thankyou i will send letter m to them, but i need their address cuz i not recieved any letters from them

please can someone help me on what to do, my husband recieved a piece of paper ripped off a note pad with a name and telphone number on it through our door.(very un-proffesional). my husband rang the number and spoke to a scotts lass, she tells him he owes a debt of £16,000 pounds from a loan he had and defaulted in 1999. my husband has never had a loan of that amount and tells her if anything it would be his ex girlfriend getting a loan in his name, when he left his ex he left behind his driving licence, national insurance card etc. his ex must of obtained the loan getting someone to obtain my husbands identity. she tells him he must go to the police and tell them and get a fraud ref number, then ring mh back and give them the number and will forward it to hsbc for investigation. then we kept recieving text messages off mh to ring the number and speak to (name). we did and asked them y they were sending us texts and not ringing if it was that important, there reply was it's just the way we do it, (this in it self seems very fishy).cut a long story short, we spoke to the police they said needed proof off mh, spoke to mh who accused my hubby of being a liar and fraudster and that he did have the loan and threatened him with court and sending bailiffs round to collect money owed. the guy's last words to my hubby was im here to get the money from you and i will do so in any way of means i can. this debt is nearly 8 years old. please what to we do and where do we stand. is there a certain amount of years where debts are wrote off?