Thank you. I will send the statute barred letter straight off.

I was wondering that. I think maybe they have gone too far with this letter. I will instigate a complaint. How should I respond to them though? Should I send the standard Statute barred letter or is there something else i should do as well.? thanks again for your help.

I have just received a letter this morning from Capquest informing me they have purchased a debt from Northern Rock and that they have made numerous attempts to assist me in finding an amicable solution to settle this matter. This is the first letter i have received from them. They follow this with that they have investigated my current financial position and are preparing a statutory demand under section 268(1) (a) of the insolvency Act, 1986. They then go on to say they are going to issue a statutory demand and have it served on me personally and then it appears they will file for bankruptcy. The letter is dated the 12th september, they say this will done on or around the 25th sept 08. They also offer me the option to settle this by paying a settlement as long as i accept by the 25th Sept. As far as I am aware, I do not actually owe Northern rock any money. I did have issues over 7 years ago with bad debt, but I have not heard anything from them on this matter so i am assuming it would be Statute barred anyway. I would appreciate some advise on this matter as I understand that this is becoming common practice with Cap Quest and would like to respond accordingly. Do you think this also merits a complaint to someone? thanks for your help.

I have just received a letter this morning from Capquest informing me they have purchased a debt from Northern Rock and that they have made numerous attempts to assist me in finding an amicable solution to settle this matter. This is the first letter i have received from them. They then go on to say they are going to issue a statutory demand and have it served on me personally and then it appears they will file for bankruptcy. The letter is dated the 12th september, they say this will done on or around the 25th sept 08. They also offer me the option to settle this by paying a settlement as long as i accept by the 25th Sept. As far as I am aware, I do not actually owe Northern rock any money. I did have issues over 7 years ago with bad debt, but I have not heard anything from them on this matter so i am assuming it would be Statute barred anyway. I have read your letters and would be interested to know which ones you think i should send to Capquest as it seems to me there are points from both letters you have posted which are relevant? thank you for your help in this matter.

Thanks. I will do just that. I really appreciate the advice.

Thanks CS. Very interesting. Now i know what to do when they finally get back to me.

Hi, Thanks for that. I have to admit you have confirmed my suspicions. I am 99% certain that it is all over 6 years but really do not want to have to keep sending out letters. I don't need to see my report, I suppose. It was just to see if it had automatically cleared. I have just moved back to the Uk and eventually will want bank accounts etc.

Thanks for that. Doubt it will just go away but I can always hope.

Hi, I would like to check my credit reports but am concerned that doing so may open up the floodgates from debt collection agencies. Any debt I may have had is over 6 years old so should be statute barred but I really have no desire to be hounded. Also, if a debt is older than 6 years old does it come off your credit report automatically or do you have to do it yourself. Thanks for your help.

I still haven't heard from 1st Credit since the last post. Is there anything else I should be doing? Thanks

I am sure they will remember to send me one soon.

All it gives are the so called debt details. There is no actual request for anything other than to call

Thanks guys-I thought that I should ignore it but wanted to make sure. Appreciate your help.

Well, I have just heard from 1st credit again. This time they thank me for my recent communication and state that the contents of my letter have been noted. they then go on to ask me to call the office as a matter of urgency to discuss the matter. I find this very strange as it doesn't really match what they said in their last letter (see above). Is there anything I need to do about this and if so I would appreciate some advice as to what. Thanks again.

I will do this. A quick question.. do the same laws apply to email harassement as they do to telephone calls? I am sure if I email them I will be flooded with emails.

Thanks for your advice but unfortunately I had already mailed the letter so could not change the wording. I have had a reply today from 1st credit. It states ' I refer to your recent communication advising 1st Credit that you have a dispute/query in relation to this debt. We will shortly be contacting our client to advise them of your comments. We will contact you with our client's reply in due course. This process may take at least one month. ' They then go on to ask for a contact number so they can deal with this matter quickly and efficiently. Obviously after reading numerous posts on this site my number will not be given to anyone. I was however, under the impression that 1st credit were the 'client' in this case. Especially as they initially said that they have been assigned the full outstanding balances. Should I just wait to hear from them again or is there something I should be doing in the meantime. thanks again.

I have recently returned to the Uk after living abroad from Summer 2001 until January this year. I have had 2 letters sent to me by 1st Credit stating that I owe money with 2 separate Barclaycard accounts and that they have been assigned the full outstanding balances. The letters are dated 29/05/2008. I have just received a further 2 letters purporting to be from Barclaycard saying that on 03/06/08 my account was assigned to 1st Credit finance. I say purporting as the letter is virtually identical to the ones from 1st Credit. Also, the date that the debt was assigned is actually after the date that 1st Credit say they were assigned the debt. As i have had no correspondence with any company with regards to any debts since I left the Uk in 2001 I have sent a letter by recorded mail to 1st Credit which was a sample letter from the National Debtline SAMPLE LETTER H THIS LETTER IS DESIGNED TO HELP YOU DISPUTE LIABLITY FOR A DEBT WHERE A CREDITOR HAS NOT CONTACTED YOU FOR OVER SIX YEARS AND YOU HAVE NOT MADE A PAYMENT OR WRITTEN ACKNOWLEGING THAT YOU OWE THE DEBT DURING THIS PERIOD. Your Name: Your Address: Date To: WITHOUT PREJUDICE Dear Sir/Madam Account No: You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would point out that under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued". I/we would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period". The last correspondence/payment/acknowledgement or payment of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me/us in the relevant period under Section 5 of the Limitation Act, I/we suggest that you are no longer able to take any court action against me/us to recover the alleged amount claimed. The OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970". I/we await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed. I/we look forward to your reply. Yours faithfully (Your signature) I was wondering if there is anything else I should be doing? I am still waiting for a reply from 1st Credit. I understand from this forum that any information about bad debt on my credit reference files is removed after 6 years? Do I need to request for this to be done or is it done automatically? Thank you for your help.