Thanks for that emmaf01. I will wait and see. Sleeping through the night is OK, it's being woken up so early in the morning I can't handle!

^ Bump! ^

OK, the Royal Mail delivered the statute barred letter on 18th August but I've still not heard anything. How long should I give it and what should I do? Thanks.

Thank you. It is my intention to continue the paragraph in the same way as the original, I should have made that clearer. I might well make an S.A.R. to NatWest as that letter has intrigued me as well. I suspect that it might have been the next batch of residents in the house who forged a letter rather than go to the trouble of holding onto my post or forwarding it on to my (real) parent's house. The landlord had that address so it wouldn't have been too much hassle.

OK, I kind of ignored the the quote from Ken Maynard but now it's come back to the surface. Having no idea who this guy is, pmhcfc's post is a bit ambiguous as to whether he agrees with him or not. Are you saying I'm a "disgruntled or mischievous debtor"? I won't take offence yet, in case I'm misunderstanding. In the meantime, can we get back to the original subject please? Thanks.

Hi all, I am just getting around to looking at this again (lots going on at the moment - the aforementioned new baby and now the Tax Credits are screwing me over - there might be some posts about that coming up soon). Anyway, I want to make some changes to the template "statute barred" letter and would like an opinion on them before I send it off. First, I was thinking of removing this paragraph: The reason being, NatWest do claim to have written to me at my last known address in July 2006 so that is less than six years between then and when this current batch of communication started. I didn't get the letters because I'd already left but the honest part of me says it's not really fair to play that card and it could only get me into more trouble in future. I want to change this paragraph: To: I think this suits the specific circumstances better - it's not a debt in the sense of "I took out a loan, made a few payments and then stopped" so saying the last payment was made over six years ago seems to be wrong. It's not exactly how I would like it to be worded so if someone's got an alternative, I'm all ears. Thanks again.

OK, that sounds like good news. So what course of action should I follow? There's no mention of a CCJ in NatWest's letters. Would a CCJ show on my credit file? I will send off for copies of them anyway. Would this be a suitable template letter to send - http://www.consumeractiongroup.co.uk/forum/show-post/post-162366.html? Also, if this is statute barred, can I get it removed from my credit file (if it's there) or will it only be removed if the debt is settled or withdrawn? Thanks everyone for the help so far.

The last time any money would have gone into the account would have been around 2001 - before I left to go traveling. I only found out I supposedly owe money on it a couple of months ago and have never acknowledged owing this money - in fact I categorically denied knowing anything about it.

So that would be never then? Is my understanding of statute barred correct (as above)? Thanks.

Checking my credit file is on my list of things to do but I had a baby just over a week ago so things are a bit manic at the moment. I did get copies of my credit file a couple of years ago and there was no mention of this on it, but I have been declined credit in the past because of some problem with this address but I never followed it up. I'm now off to read up on what statute barred means! [EDIT]So statute barred means they can't pursue me for the money but it will remain on my credit file - correct? Also, I'm not sure if that is the case here because according to NatWest's letter, the last action they took was in May 2003.[/EDIT] Thanks.

Hi, Here's an update, and I really need some advice now. To bring anyone new to this thread up-to-speed, here's a quick rundown: Received “final demand” from AIC in March 2008. Send CCA request to AIC on 30/04/2008 Received a letter from NatWest on 30/06/2008 referencing my letter on 09/06/2008 – no such letter exists. I suspect this was a ploy to make it appear that they were within the 30 days allowed to reply to my request which they weren't. This letter also stated that this account was opened in June 2002. I had already sent a letter to AIC (template from this site) saying they were outside the 30 days allowed etc. After receiving this letter from NatWest, I also sent a copy of this letter to them and pointed out that they had the date of my letter wrong and that in June 2002 I was living and working abroad so couldn't have opened and account wit them. To date, I have still not heard a thing directly from AIC since their initial letter. I have now had a reply from NatWest to my last letter. The salient points are here: I did open a student account with NatWest in 1999 and obviously they would have a record of that. I don't believe I owe them any money related to this account. This smacks of moving the goal-posts – it's like they've said “right, he can probably prove he didn't open anything in 2002. Look, he had an account in 1999, let's just tell him this money is owed from then. He'll have to pay up then.” There must surely have been a credit agreement if I opened an overdraft facility shouldn't there? I don't dispute that I opened an account under the circumstances described above but if they're in breach of the 30 day limit, then they're in breach whether they like it or not. Does the CCA cover overdrafts etc. or just traditional loans? I assume the letters from them, if sent at all, arrived after I left (it being a student house) and they were never forwarded on. A few relevant things here. Firstly, my parents have never lived within 200 miles of that address so if NatWest got a letter from them it was forged. Second, I was a bit young and stupid and probably didn't close the account formally as I should have. They couldn't find me because I was abroad. So where do I stand and whose court is the ball now in? AIC don't look likely to contact me directly so I guess I have to follow up this letter somehow. But what should I do? If it can be shown I somehow owe this money, is it still valid now that my CCA request has expired? Obviously writing to AIC offering a token monthly sum is out of the question as that would admit liability. Please help! Thanks.

Just realised, as AIC first contacted me in March they are within the six year limit (account supposedly opened in June 2002). I'm therefore sending a letter reiterating they are outside the 30 day limit and pointing out I was in France at the time in question.

Thanks 42man, Your second option is the letter I've already sent them (twice thanks to Royal Mail). I will have a look at the first option though. Cheers. Darren.

Hi there, I've been a registered member here for a while now but this is my first post I think. First of all, thanks to everyone who's posted the wealth of advice and information on here that's helped me so far. Now I need some more specific advice. Please bear with me because I think this is going to be a long one. On 18th March this year I received a letter from Allied International Credit Ltd. I'd never heard of them, or from them, before then. It was a "final notice of intent" saying as I'd ignored all previous correspondence from them and if I didn't settle a debt of £2775.24 with them they will be considering proceedings against me. It included all the usual threats that seem to be standard fayre with these companies - I could lose my wages, property, assets etc. The client they claimed to be acting on behalf of were called Triumph Asset Services. I'd never heard of them either but Mr Google seemed to indicate that Triumph and AIC are part of the same group of companies. I sent a letter back saying I didn't acknowledge owing any money, that I thought the fact both companies are connected was suspicious and to send me some proof of this so-called debt. This was sent recorded delivery and was delivered on 26th March. I didn't hear anything back so I found a template CCA request on this site and sent it with a cheque for £1. This was delivered on 3rd May and the cheque was cashed a few days later. I still didn't hear a dicky-bird from them so on 19th June - well after their 30 days ran out - I sent another template letter from this site (2nd post down here: consumeractiongroup.co.uk/forum/debt-collection-industry/139373-consumer-credit-act-1974-a - sorry, I'm not allowed to link this for some reason) about their failure to respond and that the account is now in dispute. Unfortunately, Royal Mail have, until now, failed to record delivery of this letter so I sent a second copy yesterday. However, today I have received a letter on NatWest headed paper dated 30th June. It doesn't offer much in the way of information, there's certainly no copy of any signed credit agreement. This is the main part of it: Now, in June 2002 I was living and working in France and I definitely did not open any account with NatWest. I used to have a student account with them so I suspect that, as I left Britain in 2001, some of my post was still going to my old student address and someone made use of my details to rack up some debts. So I've got three main questions: 1. I can (probably) prove I was in France at the time, but that doesn't necessarily follow that I didn't come back to the UK for a weekend and open an account with NatWest. Where do I stand with proving this isn't anything to do with me? 2. What is the situation given that this information seems to be incomplete, I.E. I haven't received a signed credit agreement or anything else to convincingly prove the existence of this debt? 3. What is the situation given that this letter arrived outside of 30 days after their receipt of my credit agreement request? Any advice or information would be more than welcome. Thanks. Darren.