Thanks for the advice, have sent letters to both addresses saying statue barred ( thanks to BRIGADIER2JCS from 2 years ago who helped with template for SB letter previously) I added in a part saying they need to provide the proof letsgetitsorted mentioned : time, location, method and who made the alleged payments as I have never agreed to repayment plan or made a payment on a debt i do not acknowledge. Thanks again for the help and will update if/when I hear from them

Hi Conniff Just checked now just in-case and there is nothing there on those dates they mention on letter 2 form Hoist. Have checked both my accounts and nothing mentioned so its totally made up. Must be a new tactic to get people to call in ?

Hi Dxt Nope UK card from years ago approx £2k total. Im guessing they have made up a fake claim so they can say I agreed to pay back and then did not . The 2 payments on the Hoist letter I attached 2nd show that I made 2 payments in the same month May 2014 ? Never spoke with them and never made any offers/payments. If I ever have to I would only do it in writing and why on earth would I pay twice in same month = definatly a total lie, maybe to get me to ring in then they can say I agreed over phone or something. Yeah noticed they have same address at top of letters, however Hoist have a Jersey address and different company number so sent them both the same letter today Will update when/if I hear back and thanks again for the help

Letters about SB and proof for rogue payments, have been sent to both Robinson Way and Hoist, have kept record of it all and sent tracked so hopefully they should stop their bogus claims. Will update when/if I hear back and hope if anyone else gets anything like this this thread helps them too. Thanks for all your help

Thank you , I am attaching another letter came around same-time from Hoist , shows 2 payments made within the same month - who on earth would do that ?! Will get letter sent out and clearly state I do not acknowledge debt and its SB. Plus will include a section on alleged payments made and again state that I am concerned as it is potential fraud. Ill send it to both Robinson and Hoist as on the letters it shows 2 different addresses , Manchester and Jersey in small print at bottom for Hoist. Thanks again for the help will update if/when I hear back.

Have added the letter as PDF as requested so you can all see it thanks

Thank you for your reply , Yes I would/have never phoned them as do not trust any of them. I can draw up a letter asking those questions ans put the line about not acknowledging the debt however do you think it would be best to combine with the statute barred letter to data controller, requesting them to cease action on the SB debt etc ? Kills 2 birds with 1 stone or should I firstly ask about payment details as you said? Thanks again

Hi all, After hearing nothing for sometime, noticed I received a letter (attached) for a Statute Barred debt from over 7 years ago from Robinson way saying "Thank you for your payment, which leaves the balance as stated above. We have agreed with you to pay your account by installments." This has amazed me as I have not spoken to anyone let alone made ANY payment to them. How do I go about making sure they are not trying to set me up , do i send the Statute Barred letter to data controller or do I need to adjust it and add something in to request the alleged payment information (bank account etc) Also noticed at bottom it says its gone to Hoist Group and Robinson Way are managing account , maybe Hoist Group have lied and said they agreed/spoke to me ? This is totally fake and I would not/will not ring them ever so wanted to make sure I send the right letter to them. This cant be legal surely for them to make up an agreement? Thanks again in advance for all your help.

Been meaning to update post etc when i heard back from Advantis Credit (on behalf of Lowell) however haven't head anything , no letter etc but had a alert on credit reports and logged in to see search on my credit file ( removed exact date for privacy ) : Searched on: (NOV)/2012 Searched by: LOWELL PORTFOLIO 1 LTD Application type:UNRECORDED ENQUIRY I have no idea why they are searching my file - please could anyone advise on what you think is happening and also are they allowed to do this? I will of course keep this updated as things happen so others in same situation get a idea of process etc.

Thankyou so much for the help going ot send statute barred letter today and will update here with response etc I am so nervous but here goes !

Thankyou so so much ill pm you what i have so far

Great thanks - ill get that N form requested/filled in and send it off Would something like this be suffice to put in it: CCJ was applied at brothers address that I have never lived at or applied for credit at , in fact he himself only moved in around 1 year before the alleged CCJ was granted. I would have paid this off had I known and had received any notice to defend myself in court against this CCJ By the way reason i didn't know about this CJ is it doesn't show on one of the CRA report I use , only found it by looking at another Finally if i was to fail in getting it setaside or if i satisfy it, does it reset the 6 years or will it still fall off at same date in couple years time ? Will check out donating now for this excellent site.

Just to confirm the Aktiv Kapital CCJ is in my name but says my brothers address on CRA files , CCJ date is 2008 and I have never lived at my brothers or applied for credit there etc In fact ive just asked him and he only moved in there in 2007 ! If I apply to have it setaside in order to pay the debt - would this have high chance of being accepted? If its not accepted does it reset the 6 years on the CJ so it comes off in another 6 years time or is it only for 2 years more?

Thankyou both for your replies I see , having looked at it again I can see how they keep referring to Lowell , as in "we could instruct Lowell" to do x and y so they are literally chasing up for Lowell even though Lowell are themselves a DCA ! The default has fallen off my CRA files for both Noodle and Experian - should I send them a statute barred letter now and put some sort of line in there about no more contact and to delete all my data they hold? Also once sent can/will they push for CCJ or do they know full well they cant as its SB? Finally is there anyway to donate to this site as ive been reading it for years and would like to give back one day

Yeah thanks for that signed up and good in a way but the default's not on there They must be quicker than the others at removing it What do i do now for the SB date? Its got to be over 6 years now or it wouldn't have dropped off right? Also a bit of a shock there's a CCJ for £300 on there in my brothers address Ive never lived at ! We have same initials and i bet they just put it on at his address even though Ive never lived there Do i have good chance at having this set aside - i mean CCJ over £300 due to come off in couple years! I would have begged and borrowed if i had known.

Im not sure what you mean about read it properly - their letter clearly says 7 days or may take further action against you. including recommending client further actions to apply for CCJ to recover outstanding debt ... (and it goes on about other means too ) Also Never thought of using that site is it safe? There is me paying all this money for Experian and Equifax monthly to keep on top of things - going to check Noddle out as the CRA reports don't have last payment etc I'm sure its well over 6 years Thnakyou for the amazingly fast reply!

Hi all Have a default from my bad years due to drop off on the 29th yesterday, still isnt showing as gone off credit file but i assume Experian take around 2-3 days after and Equifax 1 month? Got a letter from Advantis saying their client Lowell passed the debt onto them and they will commence proceedings, send bailiffs etc etc in 7 days time I have the statute barred letter ready as definatly not acknowledged or paid aything in 6/7 years Of course I wont sign this letter and I'll send it recorded post and keep copy and tracking, but can they still push for CCJ ? I guess im just concerned what if they still carry on pursuing me for this is there a follow up letter after statute barred letter or once i send them that I should just leave it and if there is a CCJ or further default put on then I can win easily? Thankyou for any help , been reading forum for ages and i know there are a lot of good people on here and really helps reading the forums and learning never to get into this situation again.

Hi all, Thanks for all the replies - ive tried to get the details and found that they are also registerd against an old address - no wonder I got the letters alot later they must have been sent to our old family home! Also wierd you should say some are linked I used the Trust One link which I believe was safe - tried using Equifax and got message online to say I have to phone them up witha reference number for some final questions - is this normal? My brother used his card details to pay for free trial for me , maybe thats why? Thanks again all

Thanks Palomino Have pmed you - but would just like to say I am not proud of these issues I have been a real tough few years for me as im sure some of you users on this forum have had . Really appreciate all the help especially for a new poster like me full credit to the community for that. I will be checking my credit file with Trust Online shortly and will post back.

Thanks again - I am in process of getting it online via Trust Online (as i believe they wont notify DCA's of search). Im pretty sure the CCJs were back from 2002/2003 but of course will check it out by tommorrow. I then will marry this up with the letters I have to see which are over 6y. I would be the happiest guy alive if they do fall off and not reapplied, I can then get work (as financial institutions offer good pay for what I do) and pay it off. Thanks so much for your help Boswell much apprecaited will report back when ive checked it out tommorrow

Yeah i actually edited my post to let you know Wierdly enough the last post on that thread says the same as i read elsewhere - no the debt is not SB and then poster talks about the fact debt agencies may not know about the CCJ - what if they do? If you could extend your kindness to confirming my previous post I can rest at ease tonight and stop bothering you all

Thankyou for you advice boswell and Bazakoo. The CCJ to be tottally honest were on before I knew about it as I was away at uni and the letters came home address. It happened before I even had chance to read thier letters - I accept I am responsible for this to some degree. So to confirm : The CCJ drops off after 6 years, the debt then carries on which is why you say it is statute barred (wierd because i thought CCJ debts didnt fall under SB?) In terms of reapplying CCJ this is a low possibility if its been passed around because of time lapse they may not have original documents in order to apply for CCJ again? So the debt carries on Statute barred status - if i receive any letters from DCAs the satndard statute barred letters are the ones I need not the 12+2+30 day ones? So with the usual SB threads where (non-CCJ) 6 year period is up they cant apply a CCJ so you simply tell them so. In cases like mine where its a unpaid CCJ the difference is that the CCJ can possibly be reapplied (but not likely after 6 years)? In both cases the debt goes on under SB status? Sorry for all the questions but im sure this will help some others out, been online for around 12 hours today finding out all the info and not found the great insight you kind people are giving. edit: just seen your link boswell philapines but its interesting. The nets wierd really ive read so many threads and majority today made me feel depressed as they never mentioned the debt goes on under SB - they just said CCJ not covered and didnt expand.

Thankyou so much for the reply really apprecaited. I understood most of this orginally but I was under the impression CCJs (unpaid) are not statute barred? This is the main area I couldnt find info on - maybe you could shed some light on this. Want to know more about chance of them re-applying the CCJ if unpaid? Youve also made me think are you saying to send out the 12+2 etc letters if they try to reapply it as they may not have the required credit agreement anymore as debt has been passed around? Thanks again to anyone that can help

Hi, I’ve been looking at forums all day long regarding statute barred status and really need a tiny bit more help I understand the process if its a defaulted account over 6 years UK that it will be statue barred status so hopefully some of my debts should fall into this arena. My question is regarding CCJ's, I need to check but have 2 old ones over 6 years for sure from my stupid uni days - I knew nothing about finance and it was available everywhere - hell I didn’t even know I had to make monthly payments at that time! If anyone would be so kind to help. Been a rollercoaster of emotions for me today thinking I may have light at the end of the tunnel then realising CCJs are slightly different : - I understand they fall off your credit report once 6 years 1 month is up ? Does this mean my credit rating will improve? (unless they put them back on) - What I cant seem to find is how likely they are to be reapplied as from what I’ve read if its unsatisfied it does come off after 6 years but can be applied back on if DCA's go back to court - does anyone have experience of this? - Another post touched on the fact that if its been passed around to other DCA's they are less likely to push for another CCJ due to needing original court paperwork? Any advice would be greatly appreciated its because of forums like this us as consumers get some power and I’ve got my fingers crossed for some good news. Thanks so much in advance for helping.