Thanks again i'll try and draft up a letter to capquest and one for OFT, and as always i'll keep you updated ....

Thanks, Should i write a letter at all to cap quest? or just to OFT?

Ok, time for another update... after taking your advice and not responding to their previous letter, i've just recieved another dated 2nd Oct. the letter goes...(its a long one) "Despite our numerous attempts to assist you to find an amicable solution to settle this account, the balance remains unpaid. Our investigations into your current financial position, based on the information we currently hold, are now complete and its unfortunate that we find ourselves preparing a statutory demand under section 268 (1) (a) of the Insolvency Act 1986 which will be completed on or around 15 Oct 09 which will be served upon you. If you do not apply to set aside the demand within 18 days or otherwise deal with the demand as set out in the appropriate notes within the demand, you could be made bankrupt and your property and goods taken away from you. Any application to set aside the demand (form 6.4 in schedule 4 to the insolvency rules 1986) should be made within 18 days from the date of service upon you and be supported by an affidavit (form 6.5 in schedule to those rules) stating the grounds on which the demandshould be set aside. The forms may be attained from the appropriate court when you attend to make the application. Remember : from the date of service of the statutory demand (a) You have only 18 days to apply to the court to hae the demand set aside, and (b) You have 21 days before we may present a bankrupt petition You can stop this by contacting us now on 0870 xxxxxx aAs one last conciliatory gesture we are offering you the opportunity to clear this account once and for all by paying a settlement of 496.85. this is subject to you accepting the offer by 15 Oct 09. This settlement can be over a time period around your circumstances. Alternative propsals will be considered. yours sincerely" Now im a bit worried at all this bankrupt talk, as i have a full time job with wage coming in and im not in any financial difficulty, so i dont know what thier "investigations" tell them...i also dont like the "your property and goods may be taken away from you" what should i do? any ideas? W

Hey guys, Received a response from Capquest this afternoon, it says - "We can confirm that the last payment made to this account was on the 13/5/04. Therefore under the Limitations Act 1980 this account is not statute barred, as a period of five years has not passed." am i missing something obvious...??

Thanks again Letter Printed and will be sent off this afternoon

Morning Guys, Another Update - Received a letter yesterday saying... "We can confirm that the last payment made to this accounts was on 13/5/04. Therefore under Limitations act 1980 this account is not statute barrred, as a period of 6 years or more has not passed." I thought it was 5 years in Scotland? Any advice on next step... W

Hey guys, just an update - I sent the letter away (thanks Ida) on the 19th August recorded delivery, Havent received any reply yet... how long should i wait? Whats my best next move?

Thank yoooou! I'll send that away tomorrow morning (recorded delivery of course) I'll keep you guys updated

also, im almost certain that i would never owe as much as they say i do...is there no way to get a breakdown of what i owe?

There in lies the problem, i have no idea, its around 5 years (ish) but i'm not sure how to find out. Bearing in mind they have now given me till 23rd August to arrange payment

No, no default notice or terminiation notice, havent had any contact from littlewoods in around 5 years,

I Think this is the link/code or possibly this.... W

cant use photobucket at work will upload when i get home...

yeah no probs - image attached (i hope)

Well they sent me a copy of what looks like an application form, dated back in November 2000. has my old adress and my signature, looks like i'm going to have to pay up...