Hello again I have received another letter regarding this debt, it states "that before Court Action is considered we may arrange for a local collector to call at your address" and "Your account may be sent to our local collector in 10 days time" It gives me an option to call them to agree an affordable repayment plan. I am now going to report them, but as my complaint may not be looked into straight away, I would like to reply to this letter asking them to prove it is NOT statue barred, does anybody have an idea of what to write so I do not look stupid. I just want this situation closed. Thank you for any help

Thank you very much to the two of you for your help. I may stick around. Now to a bowl of ice cream with strawberry sauce/ Goodnight

I have sent the SB letter which I think says what you say I should say and I have noticed in this letter they haven't made any threats or directly asked for payment

Yes ims it is that long ago or maybe even longer, so I just should write what you say and leave it at that. If they continue to write should I report them? No I am not in Scotland, just sunny North Yorkshire Thank you for taking the time to reply

Thank you Padja, I've ignored them for so long, letters just sent back and forth, no response to my request for a CCA or anything else, just used to get a letter about once every two months or so. I honestly thought they have taken me to court before now. I won't speak to them, that is one thing I have learnt from being a lurker lol

If I remeber it was two or three months before they defaulted me so prob September/October 1996, maybe a bit before? Can't tell exactly as it is longer on my credit report. Should have taken a bit more notice I suppose. Sorry

Hi I had an account with Next that I couldn't pay some years ago, then I started getting letters from Robinson Way regarding this debt, been a long term lurker on here, I sent them the CCA letter, they have never produced a CCA or Statements. I keep an eye on my credit file and the Next Debt dropped off in January this year, it showed I had defaulted in December 1996 so a week or so ago I sent the statue barred letter I found posted on here. Could anybody help regarding their reply please Dear Mrs xxxx Further to your recent communication we do not accept that the above account is time barred under the limitation act. Even were you to demonstrate that this debt is time barred, the debt still legally exists and may be reported accordingly to the credit reference bureaux, as appropriate. We are prepared, however, to offer you a substantial reduction to settle this account once and for all. Should you be interested in taking up this option, please telephone us on the above number. Now I'm a tiny bit worried I have jumped the gun a bit so any help, advise, whatever would be great.