Stupidly I answered a call from ARC (i was waiting for a call from an a gas engineer to fix our boiler so did not have his number) they called from a mobile number. The guy on the phone just said "Hello is that MR xxxxxxxxxxx" I said "Yes" he then proceeded to tell me all about my debt with them, who I owe, how much it was for. Is this legal - they claim it is!

it was a limited company, we started out as a general paypal account and converted to pay pal business so had to go through verification as in supply company registration cert etc. As for the liquidators its £100! they have bigger creditors to worry about and weren't very helpful.

I have just folded a business and handed it over to liquidators to deal with but we had a paypal account which I started but converted to a pay pal business account as I was only doing business purchases through it. THe balance is £100 minus but I now have had a letter from iqor chasing me for the business debt. Any cluses where I stand with this?

Hi i have set up a few too many companies which have traded less than 50k per year in some cases dormant with a small overdraft some have overdrawn DLAs which need correcting. I have not kept proper accounts but I can get these sorted, but I need to close these companies as soon as possible and move on. Does anyone have any advice please? Thanks in advace Acy

Ok big update for you on this case. I contacted A Solicitor/Legal Firm , all I can say is what a supportive team, very sympathetic listened and gave advice. So I instructed them and yesterday not only have Link discontinued the claim, the Solicitors have got their costs met as well. There were technicalities on the claim such as putting my name on it and not bringing action on the correct party and few errors in the paperwork and default notices. But they have also started claim for the PPI too at 26% per annum. So a big win. Take my advice - if you can afford to (and a £12k claim to find a fees to get it discontinued it WELL worth it!) get their help. Massive weight off my wife & I's mind. Admin - you can post this as a win / success?

Nope they have not. I have asked them from proof and they cannot provide any - its irrelevant anyway it still affects my wife.

It is - I have asked them to prove its me and they cant.

She was party to the debt, they have removed me from it but I still need to defend it for her.

Is it not too late for PPI i thought the claim limitation was active in the last six years? The letter simply states: Your defence is confined solely to your allegation that the debt is statue barred and you will note from the statement of account enclosed with our correspondence 19th Sept that this claim is well within limitation. We invite your therefore to voluntarily withdraw your defence filed and provide a realistic offer of repayment and attach a document that you may utilise for this purpose, failing which it it our intention to file for an application for a summary judgement pursuant to CPR 24 and seek that you be laible for the costs of the action.

Ok had a letter from then stating that they have proven liability and they are going for summary judgement under CP24. I need some urgent help on this basis.

It looks like my wife made the arrangement with him at the same time and when he left she just continued to pay. She reset the payments when they assigned the debt and started charging interest again.

Ok I can clear my name but not my wife's which is still going to cause me an issue. I am better throwing in the towel and making a new payment arrangement with them?

It seems it was my wife's other half at the time, but the report is very strange as its looks like its straight off an excel sheet or something, does not have the usual header and footer you see on other statements. Anyone could have produced that document as far as I am concerned that's not proof of payment.

Here are the documents - I would really appreciate prompt response as the court date was the 28th and I have heard nothing from the court ref my defence?

Looks that way but the report they have looks suspicious. All they have is a Standing Order mandate dated which proves nothing other than intent in my eyes - perhaps someone better qualified would tell me otherwise.... What grinds me is the letter I have from Davis Co stating no interest and they are totally disregarding it.