Hi Can anyone provide me with template or link to a letter which I need to write off to CRA to find out if I own a debt or not? Thanks

Thanks Ida, However, the inhibition order is already in place, so would not imagine it will be removed. I have decided to seek the help of a solicitor on this one. Thanks for all your help.

Hi this decree was made against me only in 2007 (however, it does not show on my credit report). At the time I was suffering bereavement and depression and cannot actually remember anything about this decree or papers surrounding it. It was only when I phoned the court that they said that the papers were served to my current address and that a time to pay order had been rejected by the pursuer. I do not even know what this debt is for to be honest. I am assuming it is an old credit card or something, as it is a debt collection agency who has taken me to court. My partner may have requested time to pay, she is not 100% but I know it was probably not me because I couldn't deal with anything at the time. This order is preventing me from selling or releasing equity in my property, as the interest on the original debt of £1700 is now £3000 and continues to grow. What do I do, how do i go about finding out if I own this debt, why would a time to pay order be rejected and this monstrous order passed! Thanks

10/10/2007 hi Ida, just phoned up the court, and got the above info.

Hi guys really need help - I am desperate! The above sherrif officer returned alone and put something through my letterbox.. A Schedule of Inhibition. What can I do? Apparently a decree was made against me in 2007 without my knowledge or being able to defend by this lot Capquest. Any help I am desperate!

Hi Ida, Yes, it was a company called Gordon&NOble acting on behalf of a company called Nolans, who in turn are acting on behalf of a company called capquest in England who bought the debt from another debt agency....

The company chasing me through this messenger at arms is an outfit called Nolans based in Kirkintilloch, acting on behalf of a company called Capquest based in England, previously owned by a company called Ftc.

Thanks Buzby - very useful, unfortunately the outfit that was out is listed. What do I do now? I have no intention of entering into conversations with them? the original debt incurred more than 6 years ago is now totalling 4 times what it was then. What do I do, bearing in mind the statued barred and assuming they have court papers. I checked another one of my local courts and there has been nothing against me or pending. Would they be able to take me to court outiside of my area then? I just want this mess to go away, I am sick of it. I tried to do the right thing when I had debt problems and the creditor did not want to know!!! It just got me nowhere...

Hi again can you give me the url link to where I can get the list of individuals able to service court documents. What is a Writ of Service. I fear I am over my head with all these terms, does this mean they are trying to serve me a summons? Sorry for being so thick.

Thanks Buzby, They left nothing at my mothers apart from their company name, which after googling, discovered them to be principally debt collectors also calling themselves messenger at arms. However, they are about 25 miles from where I live, not local. Can I ask you one more thing, as this debt is due to come off my credit file at the end of this month, can they do anything after this time, if no legal action has been taken? Is it worth firing of a statue barred letter at the end of the month? sorry so many questions...

Hi Buzby I have contacted my local court. There has been no action against me. I assume it would have to be my local court? I really need help here because I no nothing about these matters. Thanks

Thanks further devlopments....2 guys saying they are sherrif officers turn up at my previous address. That of my 83year old mother! Saying someting about a writ? does this mean they are trying to serve court papers? should I send the statute barred letter off in meantime. End of this month this comes of my Credit report? Thanks again guys

Hi guys Got copy of Credit report ordered before xmas. no court judgements against me! the debt they are after was defaulted on almost 6 years ago! And as I have previously said made no payments towards it? I assume that the CR is up to date. Would an CCJ show up immediately? I am quite confused by this stuff.

Hi, No, there were a series of letters, it seemed to change from one debt collection agency to the next. Once it went to DCA I never entered into any correspondance whatsoever because of what I previously said about the original debt. This has been going on for about 6 years, until it was passed to this latest outfit in Glasgow. Surely they cannot arrest wages if they do not know my whereabouts or workplace? If this is classed as a statue barred debt, why would a court favour the creditor? I am really confused. Seasons Greetings to you all, thanks for help so far!

Hi IdaInFife I have received no court papers, only thing was a threat of court action. Is that what the sherrif officers perphaps had? This definatley not council tax, as I have no arrears or previous problems with council tax. The guy had in his had some kind of piece of paper with the name of the company who have been harrassing me. If they cannot prove I live there, then I assume that they cannot proceed with court action? This debt I believe goes back to 2003 or 2002. At this time i contacted creditors and told them I was in difficult with payments. They were not sympathetic at all! In fact one of them told me if I wanted to pay less each month then I should DEFAULT! Does Statue Barred aply in Scotland?

Hi, Been receiving threatening letters from an outfit called Nolan's Solicitors on behalf of some other outfit Capquest or such for debt owed in 2006 which I cannot remember who the original creditor was. However, at time I recall none of these companies willing to enter into any kind of repayment plan. They are now threatening to take me to court. I have never replied to these letters or engaged in any correspondence with them. What do I do? Someone turned up at the house saying they were a sherrif officer, but my girlfriend told them they had the wrong house? what now? Can someone help, last thing I need 2 days before Christmas or anytime come to that. ( I live in Scotland)