Thanks for your responses, My mother has just recieved a letter from moorcroft and immediately called to tell them i did not live there. i feel like following the process of subject access and cca but it seems all the letters they send are ifs and we may!. Should i just wait it out my two debts are sizeable and I am unsure if they are enforceable one is lloyds passed to moorcroft and another egg passed to lowell. The letters only ever seem to amount to empty threats and being passed to different departments such as hamptons pre lit dept!!. I am sure i have been mis-sold PPi and interest payments over the years are not what they should be. I have a property that i would like to keep even though it is in negative equity and do not wish to rattle any cages if i dont have to. I have not borrowed in 4 years and have no credit cards and do not wish to borrow again.

hullo what is bumping?

anyone around for more advice. Recieved two new letters one from hamptons legal and another from moorcroft anyone know about these?. It seems my house has lost its value and my debts are enormous is bankruptcy a good solution?. These letters only ever seem to say we may do this or if you dont respond. i do not understand why they just dont go to the courts can anyone advise

is it likely you can draw it out as long as the statute barring date?

just been sent another "packet" in the post to be picked up at the post office too big for my letter box whats that all about? , second time now.

thank you, very informative!

hi jogs about 3 and half years ago!

hi there thanks for your response not in the habit of using a forum was unaware i had any responses at all. 10 years roughly, just been sent another letter from lowel finacial who say they represent lowell portfolio. they want me to make contact otherwise they will send a home visit agent or try the county county court. Should i send one of these cca letters I have been reading about ? I am not exactly sure how this debt is made up and what charges interest etc i actually owe. aside from this i cannot afford to pay just now.

roughly ten years ago i think cant be exactly sure, does this make a difference?

Hi there I recently was sent a letter by lowells saying they had bought my debt from egg and be recovering the amount in full my borrowing from egg was made up of credit card and loan. 3 years ago or so i could no longer afford to pay and buried my head in the sand moved to another country. now i am back it seems they are sending letters to all my last known addresses aswell as a property to which i own of which i have not live at for some years. please can anyone advise.8)