Hi all, I was still waiting for Clarity's response to my CCA request: http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter before sending out the Statute Barred letter. They've replied with the following: They've also returned my £1 postal order. Now, I thought they had 14 days to reply with the requested information, isn't that right? What should I do next?

Thanks again

Thanks again for replying, Cerberusalert. I was reading the template and I found this: I 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". Now, I've moved a lot over the past years and in 2008 I just ignored those Cabot letters. Do you think this could still be applied to me?

Stupid question: Does it matter if I was living in England at the time (when I got the Credit Card)?

Thanks for the reply, guys. I haven't sent any letter to them, yet. I thought I should check my credit report first, just to make sure of the dates, etc.

Hi all, I hope everyone is enjoying the World Cup! I've received a letter from Clarity, chasing a debt on behalf of their client, Cabot Financial (Europe) Ltd. They were also offering me a 'Reduced Settlement' (aren't they nice?). I've posted on this forum a couple of years ago, and I was told this was statute barred, so I just ignored the Clarity letter. Today I've received another letter with a great heading: STOP FURTHER ACTION NOW, and all that 'we wrote you recently but our records indicate that we have not reached an agreement with you'.. Now, I've been reading some threads here, and I'm just confused of what I should do first: CCA, SAR, etc. What should be my action plan to tackle this? I've registered at Experian/CreditExpert.co.uk for my credit report, but that will take up to 2 days to process my info (I wanted to check my credit report to see what's going on). I can scan the letters if anyone thinks it'll help.

Subscribing...

Hi all, I was wondering if anyone could give me some pointers here... I've a Default notice from Mercers (Barclaycard) from Apr 2003. Am I correct to think this debt is statute barred (living in Scotland)? I also have a letter from Barclaycard, (Jun 03) saying that if I didn't pay "x", they would register a default, but what was the Mercers letter all about then? Thanks in advance