Goldlady, thank you once again!

I will follow your advice and post again when I have something to report.

Please RED...... GO AWAY!!!

I have clicked on your scales Goldlady... you have really helped!

Thank you Goldlady!

I guessed that it was statute barred but it's reassuring that someone else thinks so too!

I suppose that it's just a waiting game now.

Should I wait for a response (or, more likely, a NO response) to the CCA request and then send the statute barred letter from this site... or do I go for the statute barred letter now?

Sorry for all the questions but I just want to put this problem to bed and get on with my life!

Thanx

Top Man Scott! Thanx.

Can I count the day they signed for it as the 1st working day? Once I know if that's the case then I'll mark the default date on my "Puppies 2008" calendar! Haha!

Can anyone clarify for definite that, because this debt is not reflected on any of my credit files as it has "fallen off", that it is now considered statute barred regardless of anything Lowell/RED come back with?

Sorry to appear thick!

Thanx to this forum and its members' sound advice, I have been transformed from a hopeless jibbering wreck as of last weekend to a much more hopeful individual.

I shall be making a donation to CAG!

Thanx again

Thanx for your reply,

I will do the request for a set aside on Monday using Goldlady's wise words and I guess I have to then sit tight and wait for RED to provide me with the proof that I owe them money.

It's very unsettling having to wait and see... I still wake up in the middle of the night convinced that these terrible people will make me bankrupt!

If RED got my CCA request on the 4th March (around lunchtime) when are they in default pls?

This is a wonderful forum full of reassurance and sound advice!

Thanx again

Thanx again Goldlady,

that seems much more to the point! I think I was panicking so much last weekend that I wrote about a two thousand words on the set aside form and actually said NOTHING!

Do you have any idea why this debt should have resurfaced after so long? I'm presuming it's stat barred and, if so, how can RED legally chase it? Some threads have said that RED "specialise" in this kind of thing but surely they're on a hiding to nothing?!

Thanx Goldlady,

I have the forms downloaded to set the SD aside but my reasons for the set aside seem clumsy. I haven't heard from RED before the SD, it wasn't served correctly, I have a clean credit file are the things I was going to put down.

Any ideas of something concise which would help have it set aside?

Thanx

Sorry! Forgot to ask what to do about the SD? Do I ignore it as RED have no way of proving I ever got it or do I get it set aside?

Thanx again!

(Is it obvious that I'm completely new at this forum thing?)

Hi Scott,

Thanks for your quick reply.

I'm guessing that the debt would be stat barred and the reason it doesn't appear on my credit reports is that it's fallen off after 6 years?

Thanks for the advice, and I will wait to see what RED come back with.

My main concern is that RED will enter a default and mess up my credit again? (!)

Thanx again

Hello from a Newbie and, I must say, what a relief it is to have found this site!

Ok, i'm looking for advice on my next move...

I received a Statutory Demand from RED last Saturday for a debt with Cap1. The SD came 2nd class and was not signed for. Having read lots of threads on the site, I decided to CCA RED/Lowells and also sent for hard copies of my credit files from CallCredit, Equifax and Experian. The credit reports arrived this morning and are TOTALLY clear (infact I was accepted for a current a/c this week and passed the credit check). I have heard NOTHING from RED regards my CCA request as yet. The CCA request was delivered and signed for on Tuesday (4th March).

i have not had a credit card since 2001 when, due to a messy separation & divorce, I ran into trouble and it defaulted. I have not acknowledged any debt to anyone for at least 3 and a half years.

So, since my credit reports appear unblemished, what do i need to do next if anything?

Thank you