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rnfrds10

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About rnfrds10

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  1. Hey hello, so as a reminder this is what I sent added in the (via Payplan bit): "I refer to your letter regarding dated 20th January 2021 stating that the debt wasn’t statute barred on the basis that payment was made via payplan in August 2012 towards this debt. I believe that the debt was statute barred before any payment was made and if payments were made to the debt it still doesn’t unbar a statute barred debt. I will await your response." This is the letter dated 25 Feb they sent back which I just received, I didn't scan as its only a couple of lines and qui
  2. so this is what i am going to send I refer to your letter regarding dated 20th January 2021 stating that the debt wasn’t statute barred on the basis that a payment (not made by me) in August 2012 towards this debt. I believe that the debt was statute barred before any payment was made and if payments were made the debt still doesn’t become un statute barred. I kept it short, so the onus is on them to prove otherwise.
  3. Sorry mate as you can tell I panic very easily. Will draft a letter stating that it was statute barred before any payments were made. cheers
  4. I wrote to Payplan in the meantime and they said "Let me start by apologising for any issues caused by adding the Arrow account to your DMP in 2012 and rest assured we do understand the way you see this situation. Please note that back in April 2012 we were informed by Arrow of several accounts that we were not dealing with for clients who had a DMP in place. As you may be aware we have a Data Protection Agreement between PayPlan and Creditors that allows disclosing information regarding account. When we received the information from Arrow, that they were d
  5. I should draft another letter? that i want to address the fact that it was statue barred when the payment was made, and also that Payplan had no right to make any payments to a creditor without going through me as this means they could just add anybody , I gave them the authority to deal with a list of creditors, Arrow was not on that list. also want to address how Arrow got details of my DMP, cause i am assuming that at my old address Arrow and payplan were sending correspondence and a resident may of sent details of my DMP to arrow by way of stopping them contacting
  6. reply from the solicitors. Also just to draw your attention to what I posted in August 2012 (link below), where I state that I defaulted on 30/05/2006 therefore 30/05/2012 is when it should of dropped off which it did. I was monitoring what was happening in terms of my creditfile. Also, I personally have not made any payments to them, this is where by Arrow without my knowledge had got hold of my debt management plan details and added themselves to it without my knowledge. When I went into debt management this debt WAS NOT included so I had given
  7. Sorry i just read what i wrote and had trouble understanding it. Yep I got a response will upload later.
  8. I thought it was to good to be true, they are saying my last payment was 8.18 in August 2012 legal action was taken on was instigated on that's around the same time I was talking about payplan adding them without my authority as a creditor. They included an income and expenditure form to send back in 20 days. It appears that in payplan accepting them as a creditor albeit briefly without my knowledge has screwed me over
  9. Right sent. Will let you know what happens. Regardless of outcome, thanks for you help so far.
  10. Hey Happy new year i have run up a short letter to reply, let me know what you think. Thanks letter to solicitors.pdf
  11. Oh so rather than say "can you set aside because of the address" , i should of said "this should be set aside because the debt was s/b at the date of claim". My line of thinking was all messed up. If/when they get in touch again is that what i should be saying. Of course their next step maybe the warrant, but what ever i get i will come here first. ps i deleted the solicitors letter i didn't reupload the solicitors letter cause i didn't save the adjusted one.
  12. Solicitors response.pdf Ok attached is my letter to the solicitors and the reply received. Letter to solicitors.pdf
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