ty cerberusalert, will try that and see what happens thanks for the replys all

Thanks for the replys I have had no contact with them untill now, its not like i have hid or anything, been on electoral register. So do i just tough it out?

Hey all, i had a ccj against me that lapsed about 2 months ago (credit file is now clean) just today a had a letter from a dca asking for payment for the original loan, do i send them the SB letter? Or do i proceed in a different way, i have neither acknowledeged or paid any money towards this debt in over 7 years. Just would like to no where i stand TY

well next time i hear from them you can be sure my FIRST port off call is to you superb people for the correct way to go about it Cheers all

oh dear, think iv made a mess then!!! sent sb letter to them back in may, but aint heard nothing since tho. Shud have asked first!!!! Ok will just have to wait and see i guess Thanks

Hey all again!! just want some advice about ccj's please. An account was defaulted late 2002 but it wasn't till early 2004 that the ccj was placed against the account, when does the SB actually come into force please?? Again grateful for all your help

Thats brill many thanks:-)

Hi all, just got the standard letter from 1st credit and was about to post of sb letter, when i realised that it was a PO Box address, how can i get this signed for or would i just post first class??? Many Thanks in advance as usual

Hi all, think i'm been a bit thick here, but when would your account become SB? when you was defaulted on it or the date from the CCJ? or even last payment date Sorry if its an obvious one!!!

Thanks for that, if they do try to chase i will come back on here to learn my next option Again thanks for your help

as a matter of interest i have sent a s/b letter (reply received 10.05.09) out before to a different company with the result that my account is now on hold for 28 days while they obtain the information required..... they then go on to ask me to forward to them any documents i may have!!!

thanks for that

oops sorry was typing when you posted that ha ha

Thanks for that, just can get a bit scary dealing with these people. So the statue barred letter would be the ideal response then

thanks for that, i will have a look, but it only will cover the last 6 years wont it? Also it wasn't on my experien credit report when i last looked (3 weeks ago)

They only give me a claim no, not the court that granted it?

Hi all, i received a letter the other day from BMS demanding payment for a CCJ against me. While i do remember getting the CCJ i can't remember when it was, think i defaulted over 6 years ago. Is there anyway i can find the date of the CCJ as i no longer have the paperwork. On a side issue they have spelt both my middle name and surname wrong!! What i would like to know are what options are open to me. Many thanks

Thank you for the advice

Thanks again Alphageek, i will clarify that most companys know my new address i have no reason to hide it, its just this letter came out of the blue when i thought i was finally sorted!!! Was just wondering if its easier to correspond to them from my old address.Ah well these things are sent to try us As i side point would you recommend using the signed for when posting? Thanks again your advice is most welcome

Thanks Alphageek, I have copied letter M from your forum which is great, but should i give them my correct address or still pick up any replies they send from my old address, which is now lived in by my friends Thanks

yea no payments made since 2002 and they defaulted the account in nov 2002 was egg now owned by capquest Hope this helps

Hi, i received a letter the other day for a previous debt, i was just about to send the statute barred letter when i thought i best just clarify a couple of thing with you. The letter is addressed to my old place, (i have lived at my current address for 2 years and am registered here), also the letter states "we find ourselves preparing a Statutory demand under section 268(1) (a) of the insolvency act 1986 which will be completed on or around 16 apr 09 which will be served on you. 1 do i give them my current address 2 am i ok to proceed as they have not completed the Statutory demand yet Any advice will be greatly received Thanks in advance