Hi there, My partner was served a SD on Friday of last week. We contacted Halifax to see when the last payment was made, they said Dec 2005. We also got a copy of his credit file and this debt is not listed at all. Halifax could not give us the exact date in Dec as they only had limited information after passing the case over to CapQuest, therefore we are a bit unsure as to whether this is SB'd or not. My question is what do we do now, do we simply ignore the SD, or write to CapQuest stating it is SB'd and hope that it is by now? Or is there someway of delaying any further action by them until the end of Dec by which time the debt will defo be SB'd. Kindest regards

Right then, He now has a copy of his CRA from credit expert, this debt is not listed on his file at all and the addresses are linked. What can we do now to stop them from writing or visiting any further? or do we just ignore this SD? Kindest regards

Thanks so much for your reply dx100uk, He rang Halifax this morning and ascertained there were hardly any payments in 2004 with a couple in 2005, the last payment being Dec 2005. I will get him to get his CRA file later when he comes in from work, what info will we need to be looking out for on it? Thanks again for the pointers regards

Im not sure if this is the correct place to post this as I am new but really need some help/advice from someone in the know. This morning (2nd December) my partner received a hand delivered envelope from CapQuest. The man at the door was trying to get my partner to get on the phone to someone to discuss this letter which at the time he did not know whow this letter was from or what it was about. My partner declined to get on the phone as he was just heading out the door for work. I have read through this letter which is dated 10th November (3 weeks ago!) which to paraphrase states "you have failed to respond to correspondence in a satisfactory manner....... no alternative but to serve you with a Statutory Demand for Bankruptcy" . There is a warning that he if he wishes this demand to be set aside he should make an application within 18 days from service upon you or deal with this demand within 21 days. In the particulars section of the demand it basically says the debt relates to credit agreement with Halifax dated 26 Jul 2003. The agreement terminated on failure to comply with the terms. The debt was passed to CapQuest in Nov 2007. The amount is £21,582 including £7,522 interest. There is no way we could pay that amount of money off! To my partners knowledge he has not made a payment on this account since mid 2004 at least, therefore in my opinion this debt should be Statue Barred. So I have a few questions: 1. How can we figure out if this debt is SB as we cannot find any documents relating to this debt? 2. How can they possibly expect my partner to comply with this demand as he is already out of time from the date of the letter and we cannot prove he only received this letter today being 2nd December? Sorry for the long post, I hope it makes sense. I would really appreciate some pointers on this matter as it is worrying me to death.