Today I get a court letter from Northampton county court the claim is off Fairfax for this debt that should be statute barred, what is my next step as regards to defending this claim, I didn't send any letters to them, because I was waiting to see what there next move would be, any help would be grateful. Thanks again Craig

Thankyou all for the replies, Its definitely been taken off my credit report, I understand the buy now pay later bit, the payments should have started in May 2007 which is 7 years and a few months. The letter off capquest was offering to remove all interest off the account since they bought the debt and that for every payment I made to the account they would pay 30% of whatever I had paid, That letter was dated 17/10/2008 so that is still over the 6 years, I do have a few more earlier dated letters off them, I t is well over 6 years and I have never acknowleged the debt in any way. Should I do as DX as said and send drydens the sb letter or sit tight and wait to see what their next move is, the phone calls have already started but that don't bother me because I just let them talk to them selves for a bit then hang up. DX the original creditor was Clydesdale bank.

Thanks for all your help dx.

Hi thanks to you both for your help, I cant remember the actual date that it defaulted if I got the tv at the beginning of may 2006 and it was buy now pay in 12 months time would it be that I defaulted at the beginning of may 2007 when the first payment was due? I do have letters from capquest the earliest I have got is from 23/4/2008 so its well over six years. Like I say I have never made any admission of the debt either on the phone or in writing, never made a payment towards the debt and never been taken to court and no ccj on the debt, The debt was on my credit file in the beginning but is not there anymore I don't know what happened there. Do these letters I keep getting from different debt collecting agencies not make any difference to the six year thing? If not I will download the template and get it sent straight off to drydensfaifax. Once again thanks for your help and your time. Craig

Hi, was wondering if anyone can help me, quite a few years back (think it was in may 2006) I bought a tv on buy it now pay later terms, only thing is I never paid later, to cut a long story short the debt got sold on to capquest who then sent a series of letters, threatening ones, ones where they would accept a certain amount instead of the full amount, I sent them a CCA request and they did send me one back, I still never paid and over the years I have had a few more letters off them and various other DCA's but have never responded and they have never kept to their threats of paying me a visit or taking me to court. Also when I opened a noddle account the capquest account was on there saying I had defaulted on it, but the last time it was updated this account had vanished, whats all that about? this debt is so old and I have never acknowledged it in any way or paid anything to it could it be statue barred, if so could someone tell me what my next step is as I have just had a letter off drydensfairfax chasing me up on this debt and only have a short time to sort this out, Thanks in advance Craig.

Yes I filed the no paper work defence to court, as advised. I got a letter of the court saying they had forwarded my defence to mortimers and that was the last I have heard from the court or mortimers. As for starting a new thread I was just hoping that you could advise as to weather this debt would be barred or not then I could plan my next course of action. Thanks for replying, Craig

Hi again all, nothing much has happened on the Mortimer front I take it it aint going to go any further, I have another problem that I was hoping one or all of you could help me with, a number of years ago 2007 I bought a tv on buy now pay later to cut a long story short I haven't paid a penny off it, the debt was sold to capquest who sent me a few threating letters and pay now to get a discount letters, I then started to get h l leagal letters threating court action, nothing ever came of them, I sent them them a cca request and they did produce one but I still never paid, this was in june 2008, I have had one or two letters since but have never got in touch with them or made payment to them, what im asking is would this debt now be statute barred or not? Thanks again Craig.

Ok thanks DX I will have a good look through, don't go away though because I will be back!!!! LOL. THANKS AGAIN.

Thanks Brig, wat sort off defence would I put in anyway? DX said look on other threads for something but me being a total tool have not got a clue wat im looking for, any help would be great.

Hi again, got a letter off Mortimer Clarke today saying, Further to your letter dated 25/8/2014 we are taking our clients instructions in relation to your request and will come back to you as soon as we can. We confirm our client is willing to agree to an extension of 28 days, for you to file your defence. Pursuant to CPR 15.5(2) please notify the court in writing of the agreement. That's all the have said so what do I do now? Do I write to the court or can I do it on line? Or do I just sit tight and wait to see what they come back with? Any help again chaps. Thanks Craig.

Hi DX the claim issue date is 19 august 2014

Hi again chaps, just got a letter back off cabot saying they have not been able to produce the cca requested in the relevant time period and that they will continue to request it from the original lender and the account will remain on hold until such time that they can comply with my request. It goes on to say that the agreement is currently unenforceable which means they are not permitted to obtain a judgment against me in court. However im still obliged to repay the outstanding balance as confirmed in the letter and to contact them as soon as possible to set up a payment arrangement!!!!! So what I need to know now is what I do with this court thing, do I have to still put a defence in and what do I put as my defence? Thanks again Craig.

I see, ok thanks DX I will send another one off to them asap, do I send it to cabot again or to mortimers?

Hi DX I will send another cca if you think its worth it, I sent the last one a few weeks ago and it was all signed for they even sent that 40 day letter back to me, I still have proof that they got the letter so do you still think I should send another?

Hi again, I have sent that cpr request to mortimers this morning,( I sent it signed for so I know they receive it). What do I do next? Thanks again.