hey thank you very much, you have just said exactly what my Mum has just said!.. I have been writing all afternoon, paper everywhere!! and didn't know which one to send.. so thank you Fox, you are right they don't need a life history, guess I am trying to overcompensate .

or I refer to the account above it is my belief that the debt you have purchased from Global Debt Recovery, was and is statue barred. The reason for this is due to a severe illness & loss of employment the M& S account defaulted in the period of approx 1995/1996. The first course of action to reclaim monies was in the year 2004 by Global Debt Recovery, the original default account was 1996. So even though payments have been made to the account within a 3- 4 year period (2004-2008 ), the first course of action being 2004 via Global, on a already statute barred debt. Under the” limitations” act if you can provide evidence to the contrary, I would appreciate a copy within the next 10 days.

Thank you fox this is the letter I am thinking of sending.. any comments appreciated! I refer to the account number above regarding an account with yourselves, it is my belief that the debt you have purchased from Global Debt Recovery in the year 2008 is still statute barred, the reason for that is that I originally defaulted in 1996, and Global Debt Recovery bought the debt in approx 2004, this being the first course of action, thus making the debt statute barred within the “statutory six year period” in this case 1996- 2004 It is/was statute barred debt, before any payments were made to Global, under the limitations act it is your responsibility to provide evidence to the contrary. Yours Faithfully ...............

Is this going to make any difference the fact I paid to another debt agency ?- is it still SB ? Thank you for the letter silverfox

Silver fox, that is the letter I have already sent.- they replied the next day its not statue barred- why would Global sell the debt when I was paying it?. At that stage I hadn't even heard of statue barred, and paid it because I am terrified of strangers coming to my home, as they said I'd have collectors , so I started to pay Global in 2004 Should I ask for the original agreement, sorry about all the questions but I am in your hands here, as I don't know what I am doing, they havn't phoned as none of the compnaies have my number.

Could anyone help me with a letter or wording that sounds like I know what I am atlking about I am so bad at these matters and its made me physically ill, thank you silverfox

Can I ask for more advice, I have received a reply from Cabot stating that my case isn't statrue barred because I have made a payment, and they enclosed a print off of payments. Now this is where I get confused, I am not denying that I never had a charge card I did, it was the time lapse that was my main concern - the debt was given to GLOBAL and I started to pay off £5.00 in 2004 ( this is why I was confused when CABOT letter arrived) I was so scared when Global wrote to me I started to pay, that was in 2004, so I carried on paying to them however in May 2008 i called them to ask for more slips, and they say they had sold the debt ? heard no more until now. Now here is why I am confused...in the letter that arrived today from cabot this is what it reads "You acknowledged your debt on 29th May 2008 therefore we have a right to recover the outstanding debt on this account which isn't statue barred we can take acction through the courts and collect the debt including interest since 30/04/1996. Now due to a mental breakdown I became ill in 1996, so this is when I must have stopped paying my card, then I heard from Global debt because of fear started to pay £5.00 in 2004. I have spoken to a guy at a local debtline, he says it would still have been statue barred even at 2002 which is when the statement shows interest-, but I am so upset and feel terrified, could anyone he;lp or advise, Cabot want me to ring them. Because of my PTSD I can't deal with much nowadays, and I struggle to even put a good letter together, please help. Just to recap as I have rambled. Debt originally to M&S- 1996 ( lost job due to illness) Heard from GLOBAL in 2004 £5.00 a month paid until 2008 Global sold debt to Cabot with alot of interest now. and thats where I am.

I have written the letter will send tomorrow, what happens if they don't accept this? sorry to sound fraut, but this is the first time I have had this.

Thank you very much everyone, you are so nice & helpful, I felt an utter failure writing this on a public board.

Sorry forgot to say thank you for the welcome, do I send a letter asking for the agreement copy before I send letter M template ?

I am sure as I have been very ill, no payments made, nor contact about this store card, as I said, I can't be sure they havn't contacted me under another company debt name, but I know for sure I havn't written to them or offered money, I havn't been well enough to deal with anything. Thank you for the template.

Hello everyone, I am need of some advice, this is my first time here, and I am nervous. I have just received a letter from cabot stating I owe £2000? from an M & S chargecard, now this letter came in my previous married name, and that was changed approx 12-13 years ago. .. and I know I wouldn't have run up £2000! so think it could be mega interest. I havn't had anything from Cabot before, and to be honest can't even remember if I had letters from M & S, as I had a nervous breakdown at the time of my marriage break up. I havn't been in contact with Cabot, nor made any payments etc.. I am trying to find out as much as I can, I think I read I should ask for a copy of the agreement within 12 working days? what happens if they provide that? ..I am so scared, my credit record now is good, and being paranoid anyway, has sent me into a tail spin. Could anyone help me, and do I sign the letter after I have asked for the copy of the original agreement? as I have read conflicting reports about that too. Thank you in advance