Yes, I think this letter shows they know full well they aren't complying.., otherwise why would they be trying to get hold of the original agreement if what they provided made the debt enforceable..,there'd be no need? They also would not need to put the debt on hold. I think this letter is actually a positive sign.

And thank you Tingy, you've been a big help.

Hi, thanks for your replies, sorry for the delay in answering my older son doesn't understand that I might have things I need to do on MY pc each evening lol. Debt 1: Originally for £1,500 with GE Capital (finance company) for a PC purchased through Time Computers around 2003 (but can't be certain of the date, I may be able to find the purchase receipt but can't be sure I will).. passed into the hands of Buchananclark & Wells, now being pursued by Aktiv Kapital (yes, I've seen the threads). The amount they have been asking for for the last few years has been stable at £3112.98 (it went up to £4480 in 2007) No phone calls, made no acknowledgements of the debt, agreements to make any kind of payment to any debt collection company, just received letters. I now have a letter dated 10th December 2010 offering a 'full and final settlement' figure of 2179.09. Debt 2: Originally for roughly £1000, for a debt originally with the HSBC .., I had a loan and current account in overdraft and a credit card with them. I have not heard from them in recent years re the overdraft or loan amount, but I think this relates to the credit card account i had with them. I did offer to make payments when we were originally in trouble (quite high payments) but they said they wanted all three debts settled at once, immediately. I haven't contacted them since. It has passed through a number of collection companies but is now with Philips. Received a letter dated October titled pre-visit notice. I am certain that this is statue barred as I got into trouble 2002/2003. The letters are asking for £1,675.61 Debt 3: Telefonica 02 UK £404.20 for a phone that stopped working, tried to get the phone replaced through the insurance I took out thru 02 but their courier company seemed unable to manage to make delivery. After 2-3 weeks of waiting in with non delivery (and we needed the phone urgently) I phoned 02 and informed them that due to their ineptitude, I regarded the contract as cancelled. I have repeated this to a couple of finance company's but was told my dispute was with the insurance company so I still owed 02. I have made no agreement to pay. Last letter was labelled interim notice and dated 2009. Debt 4: Credit card with PC World, now being pursued by Scotcall Debt Collection Services. They are looking for £772. Again, I think this should be statute barred or close to it. I can't remember exactly when I took out the credit card though. Last letter received 2009 With the last two.., do I just wait and see if they are pursued? The first two should be statute barred as over 6 years old. Do I send a 'prove it' letter, or a statute barred letter to the first two companies.., or something else. I do also have a horrible problem with a tax credit overpayment but doubt this is the right forum for that (totalling £3k). Typical story, phoned to tell them of a change of circumstances at the same time I phoned everyone else (on benefits), a year later they denied I'd made the call, and that I'd been claiming single parent family benefits fraudulently. Appeal denied. I have no proof I made this call. They are not taking the money back as yet, but I expect them too soonish. I won't go into more details, but what they are doing is totally wrong. I receive Income support, tax credits, DLA and carers allowance. Recently split up from an iffy relationship rather traumatically and my finances are in a mess. Am barely managing to buy food right now because I am in debt in other areas but paying them off.

I honestly have read through some of this forum but wanted to clarify what I should do about these debtsbut for a supposedly intelligent person, find it a bit confusing so here i am posting for clarification. I am on benefits, no spare money at all, and I believe I am getting letters chasing statute barred debts (they were taken out early 2000, and I have paid nothing nor made an agreement to pay). One of the debts is for over £3k (debt was £1,900) for a pc from TimeComputers., there was a payment free year, and by the time payments were due not only had Time gone into receivership, we had moved and were in radically different circumstances ourselves. I have had no contact with the collection agency. It is at least 6 years old. I am also receiving letters from Philips for what I think is a credit card debt (£1.7k) with HSBC. This card was taken at about the same time as the above Debt. I did try to deal with HSBC at the time we hit problems, but they wanted all the debts paid immediately, which I just couldn't do (was trying to set a payment plan with them). The loan and overdraft I had with HSBC is not being chased any longer, possibly because its time barred. I have not contacted them since I contacted them at the time we got into trouble. Again, this was from at least 6 years ago. As its probably a credit card debt, can this still be time barred? With regard to both of the debts, do I start by asking for a copy of the credit agreement as per the template letter on this site? I also have one debt that is not statute barred from Telefonica O2 UK limited for under £500 for a mobile phone. Tried to have this phone replaced under insurance as it wouldn't work, but the delivery company could not seem to manage to get the phone to us. Must be the most incompetent courier company ever, wasted many hours/days waiting for the courier to call, at two different addresses (couriers somehow couldn't find either it seemed altho one was in the middle of a main city) . O2 were singularly unhelpful and as my OH needed a phone urgently for his business which we clearly stated several times, after two and a half weeks, we told 02 we felt justified in saying they'd cancelled the contract with their ineptitude and got a phone elsewhere. They have been chasing this money ever since (2008). They said our argument was with the insurance company /their courier (which was the one 02 used, not an independent) when I tried to argue this on receipt of the debt collection letters. Haven't contacted them since. No payment agreement has been made. What is my position with regards to this debt. It was in my name, altho the phone was my now ex's phone altho I am pretty sure this makes no difference. I have no car, and rent where I live. Nothing I can sell (don't buy expensive tv's etc, don't go out ever, second hand clothes on ebay etc) and can't find work as I am a carer for my older son (he has autism). I'd appreciate any help. Iit is time I stop just worrying about these debts and sort out my position with them.