I have a qestion one of my friends have recieved a letter stating Baliffs will attend in 14 days to remove property for a very old debt from HSBC which was sold on to PRA Group Ltd.

After checking her credit file a CCJ was issued against her for her debt by PRA Group Ltd in Oct 2016.

The thing is the debt was Statute Barred when the CCJ was issued so surely it is not enforcible, any suggestions on how to proceed would be greatfully received.

I have recently been invited to a Interview Under caution regarding a benefit claim I made over a Year ago for Job Seekers I have been in full time employement for the last year, The letter states that they have reason to beleive I comitted fraud as I did not state a change in Circumstances.

I have no idea what this is regarding but I think it may have been caused by my employer, while on jobseekers I was offered a position and was due to start the end of January, a few days after the job offer they said due to circumstances there end I could not start until the end of February, I told the Jobcentre at my sign on day that I had found employment and would start at the end of february, they said I needed to continue to sign on till the sign on day before my employment started and then I could sign off.

Anyway after I started my new job and had signed off my employer told me that as the problem was caused there end they would back date my start date to the original start date and pay me for the month while I was waiting I did not think anything of it.

Now I have received this letter I am thinking the Jobcentre has looked into this as this is the only thing I can think of, is there anyway they could have checked my start date at my employer?

Hi just thought I would say a quick Hi to everyone, I currently have a thread going in Debt Collection any help would be apreciated guys.

Thanks

Rik

Hi I was wondering if any one could give me some advice on the following.

I currently have 4 Defaults on my CRF from Max Recovery 3 are my debts which I have letters for and 1 for £6960 which does not correspond to any of my debts.

I entered and IVA in April 2005 unfortuantly after a year my circumstances changed and I was unable to pay the IVA, I wrote to the company that was dealing with my IVA and told them i planned to go bankrupt and wished to end my IVA which they did, after some advice about going bankrupt I decided not to persue that route and would wait for the Debtors to contact me and try and arrange a payment agreement or settlement. Max Recovery now owned all my debts apart from one debt with Egg which was transfered to Fredrickson International which I pay through monthly Installments as they contacted me after the IVA had eneded.

I recieved 3 letters from Max Revovery/Eversheds in Aug/Sept 06 saying they now owned my debts and would contact my Trustee and it was not a request for Payment this was after my IVA had ended, not asking for me to repay them at all which I found stange at the time, to this day over 2 years later still no attempt to reclaim the debt, which im not compalining about. I only ever received 3 letters and there are 4 defaults.

The problem I have is they placed 4 defaults on my CRF, 3 in April 2007 and 1 in November 2007 over 2 years from the default date and a year from there last letter. the default date of april 2005 is stated on the defaults, I was looking into sending letters to Eversheds to request a copy of my credit agreement as from what I have read they do not reply and I can then go about making these debts Null and Void but am worried if I alert them to the debt they may be able to provide this information and the ask for repayment.

So I guess what I am asking should I contact them and whats the best course of action to take without them them chasing me for this money as if they do start to chase me for repayment I will probably have to file for bankruptcy or agree to may a monthly payment that will likely last till im 100, I know they will be removed after 6 years from the default date but thats still 2 and a half years away.