Trading Standards really weren't any help-they just referred me back to the National Debt Helpline. TS suggested that as far as the legal obligations were concerned, I need to talk to the Financial Ombudsman regarding administration and responsibilities of the debt (whether Credit Solutions were justified in advising me to contact SLC regarding the Statute Barred situation). Help! I need a clear way forward from here, please....

I've got all the details to make the complaint: Must be in writing, either by e-mail or letter: [email protected] Enquiries Department The Office of Fair Trading Fleet Bank House 2-6 Salisbury Square London EC4Y 8JX Trading Standards locally. Just wanted to get this all sorted out first before addressing the follow-up complaints. What do you suggest Kurvaface-run it alongside?

OK, next event: Yesterday I received a letter, this time directly from SLC: NOTICE OF DEFAULT SUMS Dear **** **** Your loan agreement *********** 1. This notice relates to deafult sums and is given in compliance with the Consumer Credit Act 1974. 2. The following default sums have become payable since the last Notice was sent to you: Trace Agent Charge £11.50 04 NOV 2009 3. The date upon which each deafult sum referred to in this notice became payable under the Loan Agreemnets(s) is 04 NOV 2009. 4. This Notice does not take account of default sums which we have already told you about in another default sums notice, whether or not these sums remain unpaid. PLEASE NOTE WE ARE REQUIRED TO SEND THIS NOTICE IN RELATION TO DEFAULT SUMS WHICH HAVE BEEN APPLIED IRRESPECTIVE OF WHETHER SOME OR ALL HAVE BEEN REVERSED. 5. The total amount of all the default sums included in the Notice is £11.50. Should you wish to discuss your account please contact us on **** *** ****. For and on behalf of the SLC LTD ******* ****** Collections Operations Manager Aaarrggghhh!! What now?!

I will report them Kurvaface, thanks. I have received another letter from the complaints officer, my having sent the statute barred template letter and refusal to deal with any doorstep callers: 'I write further to your communication received on 23rd Nov which has been passed to me for response. Please note, I have raised your query with regards to the above account being Statute Barred, our client has advised us that in order to raise this dispute, you will need to write to the SLC directly with your dispute. On that basis, our client has advised that you still have an outstanding balance of £****.** which is due for repayment. Yours sincerely ****** ******* Complaints Officer' So, I guess I need to fire off another statute barred template letter, to the SLC, registered post as before? They have reverted to the amount owing before any costs (which totalled an extra £400, according to Credit Solutions), so I guess that's already £400 saved! (...and yes, once sorted I will be contributing to CAG!), but again, there is no timeframe showing. Hmmm.

Thank you so much! A couple of things have occurred to me-in their original letter, they stated that I could pay by CREDIT or debit card-isn't the legal status on this slightly dodgy, as they cannot encourage you to incur more debt paying off a debt? Also, their 72 hours notice letter was posted 2nd class, dated the 18th November and arrived with me today, November 20th. Even if I had responded to them (which obviously I wouldn't) what timeframe are they working to precisely?

The Statute of Limitations one, as per advice on here and also from the National Debtline.

Please help- I have received a letter form Credit Solutions Ltd. regarding my student loan taken out in 1990 and 1991. This loan has not been acknowledged in any way since 1992-nothing paid, deferred or responded to in that time. I have sent the template letter through to them by registered post as per all your helpful suggestions-thank you. Yesterday I received a card, 'confirming that I will be calling to discuss the recent communication from CSL on ......Wednesday......Between: 9.00am-9.00pm (date not filled in-which Wednesday, out of interest?!) If this is inconvenient please contact us using the telephone number and reference printed on the adddress side of this card. Regards, J. White Power 2 Contact Ltd. Purley' (full address supplied) It was my intention to send them the template letter regarding doorstep visits today, but then I received two letters this morning, and to be quite honest I am starting to panic. Letter 1: 'Their ref I write in reference to your recent letter dated 11th Nov which has been passed to me for response. I have noted the information contained in the letter and I am currently in the process of raising your dispute with our client. In the meantime the account has been placed on hold with us and a response will be sent to you within 21 days. I am grateful for your patience while we await our client's response. Your sincerely, (Complaints Officer)' Letter 2: (opened in the order indicated above) 'Their ref Our records indicate that you have been legally notified of the above claim and have failed to pay. We hereby inform you that we have commenced the preparation of papers necessary for LEGAL ACTION to commence. You now have 72 hours to pay all outstanding arrears in full or make satisfactory proposals. Failure to do so will result in papers being forwarded to our client recommending that immediate county court action is insigated without further notice to you. Legal proceedings may result in etc. etc. To avoid this action you must contact one of our advisors immediately on the above telephone number. If you are experiencing financial difficulties you may be able to defer your loan repayments. Please contact one of our advisors on ---------- to discuss this opportunity. Pre-Legal Department' Help! What do I do now?