Hi guys, just wanted to keep you in the loop, we recieved another letter, they have gone back to using the official solictors letter, that is their sister company agin, thats twice we have gone this route, after me sending all the above letters you have advised. Im fed up with replying now. Im still collecting all the letters for the future complaint.I do wonder how many people who are stat barred that they fool with this sheer bullying? hope you are all well nelix

Hi guys, another day another letter, this time I have one refering to a warrent of execution...threating balfiff to remove items from the house, also a chraging order...on the property, which is rented:confused:and an attachment of earnings along with an order to obtain information, and last but not least, an external debt collection agency calling on us. I wondered if someone could confirm just where I am at, for my own piece of mind. We have NO evidence of a payment being made within about eight years, we have sent the letters you have very kindly held my hand through, and had no real reply apart from one that says its NOT statt barred but no evidence to back this up, the letters are now coming hard and fast. Can I go back to basics, if they seek a CCJ, do we get to know about it? Im 100% sure this debt is stat barred, should I be sending another letter. Im a bit lost at the moment. Please dont get me wrong, you guys have been fantasic, but I need to know what to do if they turn up on my doorstep, I know the first thing is to phone the police, but I slightly worried they can get legal papers which might baffle me. Thank you once again for holding my hand through this , you all are total stars! I leave you with the fact I have a bulging folder of letters, why havent they taken the correct legal route if they can???? If you are reading this and are new to this site, Id urge you to take the guys on here advise...they are brilliant. They have taken a very worried lady and turned her around into a confident know it all!!!!! all the best to everyone nelix

Hi guys Im back again! Ive just opened a 2nd class urgent letter informing me its a "pre-visit notification" we "have too" contact them within 48 hours or else. threats of a door step agent etc. Im really getting mad, they cannot prove this isnt state barred and after all the letters you have helped me send they are still pestering us.Although I doubt if anyone will turn up Im glad I know my rights and I'll phone the police straight away, I have a bit of a talent for being a drama queen;-) Any advise?? nelix

Thank you once again, I am so angry at the moment that I feel I need to calm done. But I think I will take it farther because I have read all of your stories and I know the utter heartbrake it courses too. People need to take a stand about this. I will let you know how I go on, but once again I thank you all, what a fantasic site this is! yours nelix

Hello to anyone that has held my hand through this. We recieved a letter stating they will take whatever we offer !!!??? This comes from Fire. Im staying stum now, is that the best thing after all the letters we have sent re state barred letter and asking them to prove the last payment, which was over 8 years ago. NOTHING. I stress, all this is 2nd class and I have a whooping file on it. Im seroiusly thinking about complaining now. This is really beyond a joke. If my husband is in the wrong, take us to court. Im just glad they dont have a telephone number and would strongly advise anyone in this situation, not to open that line of communication up! So, anyone got any more advise, do I just keep sitting on it now...Ive done everything you have said and still dont get a court date, are they playing me??? and what should I do cause Im as mad as hell.I feel like offering them a quid...IM JOKING!!!! yours as always nelix

You are a font of knowledge!! We had a while ago a letter from Hodsons solictors, are they cabot too? Will do the letter tomorrow, what amazes me is if they have total faith in the fact it is not stat barred, why the heck arent they taking us to court. Both my husband and I are prepared to take this all the way, we keep thinking of the people who are having a similar problem and dont know their rights. I wouldnt if I had not found you guys. my very best wishes and I will keep you updated! nelix

Thank you! I have to say I burst out laughing when I read the final line in the letter. We will print and send, Im assuming I should be sending it to FIRE now, as carbot have given up?? all the best nelix

Im back and my saga continues. Two weeks ago we had a whole aray of the carbot 2nd class letters. Once again I do not understand that if they have proof that this isnt stat barred, why the heck havent they acted on it:rolleyes: So this morning we get a letter from a company called FIRE and its a notification of instruction to collect. Urging us to phone, luckerly they dont have our number! Now should I be sending the above letter to them as well? and can anyone shed anylight on these people, Im assuming its been sold on yet again. They sure dont want to send us any proof of the last payment as it was over the stat barred date. But as you all have told me thats for them to prove, not us. Im getting quite a file on this now! Thank once again, nelix

you are a complete star! thank you, Id guess they were trying it on, I'll follow what you have said. Im going to be very honest here, when I first joined this site I was terrified, at every letter, every knock at the door, you guys have held my hand through this and Im a changed girl. Not to mention my husband is very grateful too, its his debt Im dealing with! Thank you from the bottom of my heart. nelix

hi everyone, now Im very confused, had another letter, 2nd class telling me our account is not stat barred and they have put the price up again. They say a default notice was issued on the 22 oct 02. I still have yet to see any paperwork showing a payment on that day, we are quite clear in our own minds no payment was made a long time bfore this. They seem to be inplying that the stat barred is from the default date they have given the account and not from the date of the last payment against the account. What I also find really puzzling is all this is 2nd class and the amount keeps wizzing up and down like a yo yo. Oh course the bigger question is, if they are in the right, why on earth havent they done something about it??? Id be dead grateful for anyones thoughts on this, its not actually worrying me, but its a bit of a pain in the backside as I feel Im being bullied. thanks everyone nelix oh and theres a very flimsey "we can take action through the courts" in it too. All pretty weird???

well the saga continues, we sent the reg stat barred letter to the The "solicitor" who I think is just another part of carbot. I then got back, and in fairness it must have crossed over an offer to knock off £800 odd quid. This amount keeps going up and down like a yo yo, the letters I have got are laughable. What I dont understand is they threaten a CCJ on the 29/04 and then it goes back to an offer from carbot on the 19/05 at a knock down one time price! Do they think we have come up on the banana boat??? Seriously now Ive sent this stat barred letter, what is my way forward if they do not acknowledge it, cause Im getting sick to death with this. Anyone of you people who know whats what, got any ideas? please bare in mind the stat barred letter went to the "solictors" and if they cant forward that back to carboot Im thinking thats their problem cause as far as I was concerned they had passed it over to their legal team. Think its a case of the right hand not knowing what the left hand is doing! a slighty bemused nelix ps hope every one is ok and if theres anyone out there reading this and hasnt posted their problem, all I can say is this site has saved my sanity! They are a fantasic group of people.

Just an update to you guys, I sent the stat barred letter recorded, waited til his nibs was at home so we could do it on the computer. Im rubbish at that sort of thing. Have to save Im kinda excited as to what they are going to do. One other thing I forget to mention, when they sent the form back showing just the date of my partners signiture 1999, and no date of the last recieved payment, they stated the amount had been frozen to £1300 odd, they have knocked off £600 interest. However, and this is where it gets interesting, the solicitors letter has stated the larger sum, being £1950. I am going to be very interested in what they say next, needless to say with the help of you guys, I have kept everything, and Im wondering if a bogus "cash" payment is going to be the next move. Bring it on!!!!! All the best guys nelix

Thanks for your help big time!!!

Thank you so much for the swift reply, I will get on that tomorrow. My husband now works away all week, and actually isnt coming home this weekend due to corporate golf. We nomally do this on the computer, will it be ok to hand write some thing and obviously not sign it?? I need some serious guidence on this as Im doing it all on my own. I have to tell you guys all the letters I have refer to the debt as a starting date of being taken over by carbot. Its like they are playing with the dates. Im 100% certain no payment has been made against this account for 7 years. Ive now found the solicitors letter, its from a company called Hodsons in rugby,and I quote "as your ccount is in defualt, the full amount outstanding is payable immeditaitely. our client has been unable to obtain a satisfactory proposal from you. We are therefore intrusted to review your account for isssuance for recovery of all sums due with ourt futher notice or warning if you fail to agree payment terms within 7 days from the date above of this letter. Our client will seek prompt enforcement of any court judgement obtained against you." This I repeat was sent 2nd class and had a barr code on it and was obviously a computer letter. thanks guys nelix

Hello everyone, Im back again! We recieved a rather pathectic box standard solictors letter, which I have spent ages trying to find and cant, it basically states that they might take us to court and issue a CCJ against my partner if we dont pay up now. It came 2nd class and was coputer generated. Im now wondering if I should be sending a challenge back re the stat barred situation, to shut them up for once and all. They have not sent me any detail of the last date of payment against the debt as they know its well past its sell by date. Should I just let them get their knickers in a twist or should I do something about it. Surely its up to them to prove they can legally pester us like this? any advise would be greatfully recieved all the best nelix

I just wanted to say a big thank you for all of your help. I going to follow it, what Im planning to do is sit back and wait a couple of weeks, then I will send the stat barred letter. We have been looking back and it appears we ran in trouble in 2000, so here we are 8 years later and no payments against the account. I cant thank you all enough for helping me though this. I actually am envolved with starting a web site that deals with emotional problems,which takes up alot of my time, so I understand a little about the hard work and deadication put in from so many of you. Nelix ps will let you know what happens.

thank you all for taking the time to help me out here. There was one small, probably rather stupid question, you mentioned "no contact" Im taking that to mean no payments as we did have several letters years ago regarding this, which we didnt reply too. One other point, they did send me back a copy, and believe me they had had to have photocopied over and over trying to blacken the date out8) of the original application, with my husbands signiture on, so sending the letter asking for verification of the debt to him doesnt apply really. Im my own (muddled) mind, it seems like they are starting the clock from when carbot took over the debt, not when we orignally defaulted, which had to be about 1998/9. What Im getting from you all is a stat barred letter or sit back and see what comes next. once again any imput would be gratefully recieved! hope everyone is enjoying the weekend. nelix

knew Id end up confusing you all:D The debt was sold onto cabot 2004, we had moved and never got anymore letters. There were NO payments paid to cabot at all, and I think the last payment to B/C was around 98/99. So basically I think, but am not 100% sure we are talking at least eight years on, no payments against the account. Its actually not my debt, my husbands but Im dealing with it, the so and so is not one for keeping paperwork, bless him.

hi, Im pretty new to this site too, so I will not be able to give you anymore advise than has already been said. I did want to say, that like you, I was terrified each time these letters dropped though the door, I truely believed these people could come into my home and take everything away and it caused me many sleepless nights, a feeling Im sure alot of us have gone though. My advise is to listen to these guys on here, they are worth their weight in gold, they will hold your hand though this, I found the more I talked, the problem unravelled and I was less stressed about it, in fact, Im in a fighting mode! I wanted to pick up on something else you said, I dont think their are many of us here that got into debt on purpose, its normally due to job lost or illness etc. I'm sure each and everyone of us, if we felt we owed it legally and actually had the funds to pay it off, would. However their are laws to pretect us, as well, in these situations, and we need to use those. Hope that helps on the mind settling bit! And for what its worth, Id do nothing, but dont forget to keep everything they send together, including the evelopes, you know how serious this is to them??? bet not one of those letters were 1st class! all the best nelix

Thanks for your help guys, its really appriciated. I'll try not to waffle on to much with my answer! Yes I sent a CCA request just before xmas, they then reduced the amount by £600, and wrote to say it was frozen. We then waited 'til end feb for something back from them, which Im now looking out, its very basic and has a faded black copy of the orignal B/C agreement dated 1996. We ran into problems, about 2 years later. B/C gave up on us in 2004, we had moved, then carbot brought the debt. They found us in abt 2006. This "paperwork" shows no payments against the account from 2004, and I know for a fact there were no payments prior to that with B/C for years. I was expecting some sort of statement showing when we had last paid, so I could work out if it was stat barred. But I guess they would not send that would they:roll: With all that in mind, anymore thoughts? oh and by the Im one of the very lucky ones, they dont have our telelphone number, my heart goes out to anyone that has to put up with some of the calls Ive read about on here. all the best nelix

Hey, thank you for replying, I have no idea what a SAR is, again any help would be greatfully recieved. I have no idea where I stand legally on this and Im very worried about not responding in the correct time. Nblaen, you have no idea how much your reply meant to me, I was starting to totally panic! thank you nelix

Im sorry to go on, but Im very worried about this, can anyone tell me if carbot should have sent me a bit more detail of the last payment of the account? I am going to spend a good part of the weekend going though this really helpful site, in the hope I might find something to steer me in the right direction. Im almost 80% positive we have passed the 6 year mark, but what I do not know is how I should push forward. And the biggie, how do I prove that??? Any help will be gratefully recieved. yours nelix

Hey everyone, Long story short, and that'll be a first for me! You help my hand though advising before, I send a CCA request prior to christmas, got a letter back saying they were having problems locating the orignal paperwork, but the froze the amount, which they,carbot, knocked off a clear £600 while going back and forth. Then, on a few days ago we got something back. We were informed the debt had been sold on in 2004 from B/C to carbot, we have little to none paper work, and NO indication as to when the last payment was made. The original card was dated 1996 and we ran into trouble a couple of years later. They, carbot, seem to be impling the debt date started from 2004, thats rubbish, as I can cleanly remember being scarred out of my witts by their bullying and that was B/C. The letter Im looking at is not threatening, but my question is what the heck do I do next??? Am I meant to sent a stat barred letter, even 'though I dont have any dates or are they oblidged to show the last date of a payment againt the "account"??? Both very short "invoices from carbot, show nil by payment, but they are very careful not to sent anything prior by B/C. Im in your hands again and I hope to God theres someone out there that can gently push me in the right direction. yours nelix ps my apologies if I have put this in the wrong area...Im still wearing my learning plates for computers

hi, Ive been fretting about this, I really hope someone out there can tell me what to do next, see above post. When you helped me before and I send the CCA request, I gunuinely thought we would get some sort of payment statement back, but what we have is B/C telling us when they gave up chasing us and then it was sold on,to carbot, that being 4 years ago, I know they were unable to get payments and we certainly did not put anything in writting to them at all, we then moved, the debt was chased by B/C for at least 2 years without any payment, my hubby was not working and I was very sick. I guess Im pinning all my hopes on stat' barred, but how do I confirm this??? The thing Im finding very interesting in this whole situation is they are spinning it as being started from the date carbot took it onboard, not the time B/C had it and we ran into trouble, which my hubby seems to think was '98. So with cloak and mirrors they are sticking to 2004 being the starting point, which is untrue. Guys, my hubby is out of work at the moment, so I would like to get this sorted....can anyone help???? I have no idea at what I should do next. Ive been reading though loads on this amazing site, I wonder if these companies really understand how their continuing harressment actually makes some people ill, I suppose its a numbers game and truth is they dont care. I truely dont understand why they are able, legally to continue to threaten people with letters when the outstanding amount is over 6 years old???? I hope someone out there can push me in the right direction, just the word carbot makes me well up with anger! But having said that, the nice part of me thinks everyone has a job to do:grin: some just suck!!!! Hope I havent been too naughty! all the best to you all nelix

thanks and many apologies for getting your name wrong! heard today, one has fallen though but theres another one on Thursday, that would suit him better. We are taking it day by day, its the only way. There is one thing I wondered if anyone knew, are angencies allowed to ask your age knowdays regarding positions? elle