Thanks for that. I will do that as soon as I receive the letter.

Hi, Could someone help me please? I was made redundant in September and had to reduce my monthly bills so I arranged a reduced payment towards my career development loan. The normal monthly payment was £200 and I agreed to pay £50. I have now managed to find work but I have to be away from home during the week which means rent and pretty high travelling expenses. I called the bank, Royal Bank of Scotland, and informed them that from May I would be able to pay the full monthly payment plus £50 towards the arrears (£890). I was informed that they would not accept that and would instead register a default against me and pass the account to an external agency. I am pretty angry about this but can I do anything? I cannot afford any more money towards arrears otherwise I would be better off quitting my job. Any advice would be appreciated.

Thanks for the help guys. The DCA is response credit management.

Hi, I wonder if someone could help me. My brother had a debt with a credit card provider that defaulted in 1995 and since then he has heard nothing about the debt. He recently received a letter from a debt collection agency asking for payment in full so he contacted them and arranged a settlement figure of which he paid half. After speaking to some of his friends he was informed that he should never have paid the debt as it was statute barred so he is now trying to claim the money back from the debt collection agency who are refusing. Because he paid something to the debt does that reset the period of liability and the debt is no longer statute barred? My feeling is that the debt is statute barred, although still his, and he has just lost a fair bit of money!!! Can anyone help?