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lala27

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  1. Also Im guessing by sending the SB letter I have just acknowledged the debt and this gives them another 5 years to chase me! Silly me
  2. I've recently been pursued by Lowell for 2 old debts - both relating back to 2004/05. Under the impression that both were SB I fired off the letter templates to both. Received 1 response advising that infact my credit card debt was indeed statute barred and they would no longer be pursuing - the next day I received a letter in regards to the bank account advising that they 'were looking into my statute barred claim and were seeking further information from the original creditor and would be in touch' I've just realised that this debt might not be SB! Does anyone know what is likely to happen? Will they have to prove that the debt is NOT SB and is my bank likely to still have statements proving when I last paid into the account?
  3. thanks think I will send the SAR next week - And yet another question I have after reading another similar post - What they have provided following CCA request is a copy of my original credit card application. Is this the credit agreement or should I have signed something else?
  4. thanks just saw reply after I wrote mine. sorry for all the questions... but if i send SAR request do I need to keep paying them or not because the accounts in dispute?
  5. It wasnt when they initially called me - but I then ignored their etters for a month or so, and think might have been SB by the time i sent my income/ expenditure form back to them (I take it that counts as a written acknowledgement) I have no idea how to respond to their letter to me - should I send £1 again and ask for older statements, or does that need to be SAR request? or should I just fire off the Statute Barred letter in hope that it is?
  6. I was contacted 6 months ago about an old credit card debt which I defaulted on in 2005 - by solictors acting on behalf of the creditor...I agreed a repayment plan to keep them off my back which I can barely afford. Anyway realised that even paying off £50 a month is not covering the interest far less the balance, i got some much needed advice and sent them a CCA request asking for original agreement and full statement of account. They've provided the original signed agreement well within the 12 day timescale, however have given a very basic account statement of original balance, how much interest has been added and the final balance. These are not original statements from my original creditor that show my last payments, etc or when I defaulted. Do they have to provide these under CCA request? Or have they fulfilled my requests? This debt may be statute barred (I live in Scotland )- I really need the info on when I made my last payments to original creditor to verify this. Does anyone have any advice on what my next course of action should be? I will never pay this debt back - what I can afford is £10 less than the interest they add on every month. Any advice appreciated!
  7. I dont think so unfortunately - cant believe the amount of interest that has been added though - my other debts from the same time have nowhere near as much interest added which i confusing.
  8. I was contacted in January this year about an old Amex debt that was almost statute barred (stopped paying and has no contact with Amex since Feb/ March 2006) by BTO solictors. I was contacted by phone at my parents address (where I dont even live anymore) so I panicked and spoke to them, and agreed to start re-paying the debt. It took them a few weeks to send out the paperwork, and I wrote back to them and offically agreed a re-payment plan around Feb. I have agreed the most I can afford which is £45 per month - however they are still adding interest to the debt which was £3500 in 2006 and has grown to nearly £7000 in the space of 5 years! They refuse to drop the interest and I have came to the conclusion that I am never going to pay off this debt. Sought some advice from National Debt Line last week(over some other old debts that I am being chased for) and mentioned the Amex debt - they advised I send CCA request to BTO. My question is this ... Is it not too late to do this? I have already acknowledged the debt and started paying it again. Also I am wondering if it might still be SB.... my last payment to Amex and first written acknowledgement to BTO was very close to 5 years apart. What letter do you think I should send? And how should I word this (I have the standard template) considering this is a debt I been paying for the last 6 months? Has anyone else had dealings with BTO? I've read very little about them on here.
  9. I built up around 15k of debt 4/5 years ago, and I am totally ashamed to say that I ran away form it. To cut a long story short, I was 6 months pregnant and the stress, constant threatening letters and sleepless nights were endless. After my relationship ended I moved back in my parents, and just didn't tell the debt companies my new address. Always assumed they would have caught up with me long before now. Anyway out of the blue - when I was visiting my parents today ( I now live in my own place) a debt collector (acting on behalf of American Express I believe) contacted me there. In a complete panic I gave them my mobile number and asked them to phone later. The guy phoned back - was very pleasant on the phone (totally unexpected) and although I didnt directly admit I owed them the money, I did confirm my old address with them and that I had lived there 4 years ago. I've asked him to send me the original credit agreement, as I said I did not owe this debt. He has agreed to send this - and I provided my new address ( I didn't feel as though I had much option) I've now done some research on here.. am I right in thinking that after 5 years(In Scotland), if there has been no contact with the debtor then the debt becomes statute barred? If so then I am pretty sure it is coming close to the 5 yr period with American Express, as the last time I paid them anything or spoke to them was March 2006. However... have I just acknowledged the debt on the phone to them earlier? even tho I said I did not owe this debt?? I also have a number of other creditors who I stopped paying and responding to around this time. I'm totally unsure whether to just face up to it, and go to CAB or not respond to any debt letters in desperate hope that they run out of time to pursue me. Sorry for the long post.. any advice would be appreciated.
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