Thank you so much for your advice. I will send you the letters for further consideration. I will try and do this tomorrow. Thank you once again. you have been very helpful. Best regards.

Hi, The last payment was september 2009 and yes I received a default notice dated November 2009. Deafault actually registered Feb 2010

the loan was not secured and it was under 25K and it was made under section 77 of the CCA

Hi, Yes it was a fixed sum loan Taken out in July 2007 for a period of 96 months. Yes, a section 7 request mas made in July 2009. Thank you for your time.

It is Natwest. however, I recieved the normal 'you still owe this money' letter from RBS today. It was from their debt management operations dept.

Hi, The letter was dated 11th Nov 2010 and without prejudice. and related to asking them under what authority they are passing my details to a third party (credit reference agency) and asking them to stop this activity. I referred to the loan as an alledged loan. Thanks

good evening all, I am close to the end of a six year default by Natwest on an "alledged" loan. They have been unable to locate the original credit agreement rendering it unenforcable. I have been reading about the 6 year time limit but am usure on a certain aspect. It states that the 6 years can start again if a payment has been made or if you have acknowledged the debt in writing. I would be grateful if someone could clarify what constitutes "acknowledged". I last wrote a without prejudice letter to them in November 2010. I stated in the letter that i am writing on conjunctio to their previous letter regarding an alledged loan. Does this constitute acknowledgment? and if so does that mean that the time starts from the date of this letter. No payment has been made for over 6 years. I am considering sending them a statute barred letter but am worried that this may also be taken as acknowledgment? Any advice would be greatly received. Many thanks.

Thank you all so much for replies. You've been a great comfort.

Thank you both for your reply. I am basing it on my last date of payment. Great advice on the extra couple of months too. Thank you.

Hi all. I am very close to a loan with natpest becoming statute barred due to the fact that it is almost 6 years since my last payment and also they have admitted that they do not have the credit agreement. My worry is that I have read on money saving expert that if you have had contact with the lender, the 6 years starts from the time of your last correspondence? Is this true? I have never admitted the loan but have questioned their actions etc. I am reluctant to write to them informing them that it is now statute barred in case the clock starts again. Any help or advice would greatly appreciated. Many thanks.

Hi All, My wife is currently in the process of bringing about an employment tribunal against her employer. The employer is trying to get my wife to a capability hearing where I believe they are looking to dismiss her on medical grounds. My question is......If an employment tribunal claim is lodged, making it a formal dispute, are the capability proceedings or any other internal procedures then put in abeyance or stayed? Thank you for taking the time to consider this.

Thank you Emmzzi, We have exhausted the Grievance procedure to no avail. They have investigated all her grievances with internal managers.......(need i say more) we are now in the appeals process but I am not holding my breath.

Hi Citizen8, Yes she is in the PCS but they havent been a great help and I get the feeling that they will only get involved once she has been sacked.

Hi Emmzzi, Thank you for your response. Her adjustments are extremely low cost with no impact on work completion within the required timescales, or other staff and risk. Her periods of sick date back to Easter 09 and all relate to her disability. All surgery has been corrective and there is no further sickness anticipated with a full return to work now possible. I believe that they do not want her back as they realise that they have failed in their duty of care to a disabled member of staff and are doing their best to get rid of her before we take them to a tribunal. Thank you.

Thank you so much. Any help would be great as we cant afford a solicitor due to her being on nil pay. Kind regards

Hi All, My wife and I have the (mis) fortune of working for the Prison service. My wife is disabled and has worked in a low risk, category D prison since 2005. Her employers have been aware of her disability since her contract began. Aside from many other issues that are ongoing at the moment, I have one issue that I would greatfully like answered. My wife underwent surgery (Corrective) which is directly related to her disability and is classed as a serious underlying medical condition on the 4th Feb 2012. She was subsequently declared fit to return to normal duties (With some very reasonable adjustments that they still have not put in place) by 3 medical specialists on the 29th March 2012. One of these specialists was the OH doctor that the prison wanted her to see. Since that date the Governor has refused to allow her back to work despite being declared fit. The only reason he has given for this is that he wants to ensure her safety by considering the reasonable adjustments. At this moment I must point out that the reasonable adjustments were suggested by OH on two seperate previous OH reports requested by the prison following periods of sick for previous surgery relating to her disability. After all this time he has now set up a "capability hearing" which reading between the lines tells me that he is going to terminate her employment (for reasons that we are unsure of) To date he has refused to pay her since she was signed fit on the 29th and he took the dicision to order her not to attend work. Can someone please confirm that this is indeed wrong and the "Meikle Payment" applies to this case. Thank you for taking the time to read this and your anticipated assistance.

Good morning all, I am involved in a long running battle with NASTYWEST. They claim that I have a loan with them but cannot provide me with a true signed copy of the agreement. (they have confirmed in writing that it is lost!!!!) Can anyone please tell me if they are lawful in passing my information onto a third party without my consent, and if not how i go about removing the information from the CRA's? Thank you for taking the time to consider this post.