Coldwar - you have balls of steel. It sounds like you've gone to the mattresses. Well done taking them on, you've got them by the short and curlys. I'm am only starting to dispute my own debts with lowell They're so unprofessional. Your thread has inspired me to defend my own position. Best of luck with it - i will be watching your thread with interest.

Thanks for the advice. From what i can tell the last payment toward the debt was in Sept 2002 the default was in October. As i understand it - the 6years is from the date of the last payment not the date of the default. Although this seems like a grey area. I'm going to sit on the CCA and send a standard "prove it" letter. I'm not going to include £1. Will this dispute the debt and stall any legal action? I think this is reasonable. I'll send it recorded, special etc so i have proof. It is scary what these people can do vicentfan. I thought you had to take part in a ccj court thing so they could work out your budget and therefore the repayment level. I'm going to research CCJ's because at the moment it seems to be my/their main threat. Good luck with yours though.

Hello - I would like to thank you for the amazing amount of advice and information that is on this wonderful board. I have learnt a lot by lurking around. I have just finished and printed a CCA letter request. However, before it's sent i would like to just run the basics through to see i am doing the right thing. I stupidly ran up £1000 debt on a woolwich credit card. This card was then folded into a barclaycard (when woolwich and barclays merged) The barclaycard had another £1500 credit limit, which i used before the merger. So in total I now owe £2500 to barclaycard on one account. I don't recall signing a CCA for the barclaycard, if i remember rightly this card was just posted to me as were new debit cards etc... I signed up for the woolwich card online - i think. The last payment was made Sept 2002 - according to checkmyfile.com. The account has been through many DCA's but the debt is now "vs Lowell", but still down as barclaycard on my credit file. I have just ignored all communication up until this point. They have now sent me a few letters over the few weeks asking for full and final. They seem to be getting desperate. My question is - can i hold out a month and a bit until it is barred. Or should i send a CCA now to stall them for the remaining month and 20days? My fear is they will get a ccj now and scupper my statute barred status. How do you know they have applied for CCJ will i be informed before it is awarded... I know that i was stupid to generate this debt in the first place. I am still only employed part time so even if they do CCJ me they wont be getting much money - as i've not got any and am repaying larger debts. Any advice from the sages on this forum would be most appreciated. Should i worry that JJB are reading this? Many thanks for your time