So sorry to hear that Mandy, just echo what the others have said really. I can totally recommend Stephensons, wishing you all the very best. x

Hi Mandy, I'm sure you will have the right to appeal if you do lose. All is not lost yet, they haven't made a judgement, and as the barrister said himself, the agreement is unenforceable. You probably had no option but to pay after Go Debt getting in touch due to their questionable, vindictive and down right nasty conduct. However, with my limited knowledge (i'm sure debt4get or someone will clarify) Go Debt or thier barrister do not decide who pays costs etc, or indeed when it has to be paid, it is up to the judge to decide. They will ask what you can afford to repay and Go Debt will have to accept whatever the judge decides. I'm sorry it was so horrible today, will keep everything crossed for you that you eventually get a fair and correct result. xx

Just had someone on the phone trying to bluff (not very well) and said something was going to be delivered this week, told them I wasn't prepared to discuss and they had to put anything in writing, hope I did the right thing.

Thank you, have sent the Statute Barred letter recorded delivery today on behalf of my partner. He truly believed with the deposit, what he had already repaid and the insurance settlement he would owe next to nothing or nothing at all. He has had letters from them but has ignored them, I think he spoke to them once or twice when they called and disputed the amount and asked for a breakdown, this was never forthcoming. I know he definitely hasn't made a payment for 6 years now as the car was written off Jan 04 and he can't remember if he paid in Feb 04 or not, but even if he did thats still over 6 years ago. I will keep you posted if anything else happens. Thanks again

Many thanks, much appreciated will send today.

Any idea whether I should be looking at Statute Barred or that the original agreement is unenforceable. Any advice appreciated, could really do with sending something soon. Thanks

Hi, was going to send a letter to these people today, should I be sending the letter saying he doesn't acknowledge the debt, or ask for a copy of the original loan agreement. Many thanks

He didn't receive any payment from the insurance company, it was paid directly to the car finance company.

The insurance company definitely paid the settlement to them as he recived a statement from the car finance company to confirm this, he probably doesn't have it now though. What they are asking for is the shortfall between the settlement and the cost of the car plus all the interest and insurances etc for the term of the loan. What my partner was disputing years ago was the interest and insurances etc, he was happy to pay any shortfall between the purchase price and the settlement plus any interest etc accrued while he had the car, he used his old car as a deposit and had paid approx £1400 in repayments up until the car was written off so didn't think there would be much, if any, shortfall. Hence why he disputed it years ago.

Thank you so much for the advice, will send the letter asking for proof of the debt today recorded delivery. Been reading through on here, looks like this is quite common practice. I should get to speak to him sometime this week so will ask him what contact he has had previously. I did tell the guy who called this morning that he was out of the country and suggested he called back when my partner was home, he just said he would have to send the papers anyhow, like I said, didn't really take any notice as he wasn't threatening or anything and assumed it was papers for work or something, was only when I opened the letter I realised. Will post on here if I receive anything else. Thanks again

Hi, unlikely he would still have any paperwork as he thought it was all finished years ago. The last payment he would have made would have been either just before or after the car was written off in Jan 04. Not sure about contact, I know he had conversations with them years ago where he was disputing the debt, but can't say for definite. I am happy to send the letter on his behalf but not sure whether this would be accepted, does the letter need to be signed?

Hi, no it is headed up Bankruptcy proceedings, it states that they need to make an appointment for him to be served a Statutory Demand. I spoke to them this morning before he had received the letter, he wasn't here so didn't take a lot of notice of the call, until I opened the letter. Problem is he is working abroad and won't be back for 3-4 weeks so don't know what to do. Can I send the letter on his behalf??

Hi, I have found this forum while searching Go Debt on the internet. I am really worried, had a call this morning from someone from this company for my partner,they said they needed to serve some papers, he has now received a letter from this company saying they were going to file for bankruptcy and gave the address of the court they would use for a debt of nearly £6000. This debt refers to a car he bought nearly 7 years ago, which was written off over 6 years ago now, the insurance payout was paid directly to them. He has had sporadic letters over the years, but has always disputed the debt. I really don't know what to do, he can't be made bankrupt due to his job. We don't own our house, and certainly don't have £6000. Can they do this? Should he take legal advice? Any advice would be appreciated. Thank you

Sorry posted on wrong thread