hi just had letter from ruthbridge stating that they have traced me to this address, please contact us immediatley or an agent may telephone between the hours of bla bla bla. should i sit tight or send them a letter asking for prove of the debt which i am pretty sure is over 10 years old as i have been living abroad for the last 10 years!

undoubtedly!! time you did some reading around the thing to remember is NO DCA has any legal powers!!! hampster bedding!! dx even if the debt is statue barred will i get more letters?

you think i will get more letters?

Got a letter back today from Equidebt saying ..... Thank you for your recent correspondence, the contents of which have now been duly noted (i sent them a prove it letter). we have amended our records accordingly. your details have now been removed and you will not recieve any further correspondence from us. May we apologise for any inconvenience caused.

am i right in thinking that they have 12 days to send me any relevant paper work or not?

hi, just wondering if i would be able to get a shared ownership mortgage of £43,750 with 5% deposit of £2188 with 1 default on my credit report but this has benn settled 15 months ago. anyone with any help would be much appreciated!

hi, i sent off a prove it letter to equidebt after the initial letter they sent me, got this as a reply what do you think??.... creditor: aktiv kapital uk limited our reference: ********** with reference to your recent communication regarding the above mentioned account. Please be advised we will contact you in due course. should you have ant further queries please contact us blah blah blah.... anyone any ideas what this means??? what should i do next???

any body have any ideas?

Thank you .

Hi There, I stupidly defaulted on a payday loan about 18 months ago, but i settled this debt about 15 months ago it was for about £260 the debt is showing up on my credit report as settled. I am looking to buy a shared ownership property with my partner (who has a good credit score). The mortgage i am after is for £43,750 with a 5% deposit. My question is would i be able to get a mainstream mortgage with this on my file? (my credit score is just below average) any help????

Hi, I have 1 default on my file which was settled about 15 months ago! what are the chances of me getting a shared ownership mortgage for about £43750 with 5% deposit. My other half she has got a very good credit rating mine is just below average..... anyone any ideas????

Hi , had the usual letter from equidebt not sure what it is for.. i stupidly took out a payday loan 1 year ago it got passed on to dca which i paid off in full and have a letter stating that, so dont think it could be that? the only other debts i had was 11 years ago which was a credit card and overdraft. I have been out of the uk for 9 and half years and returned 2 years ago do you think they will be chasing me about these old debts.... any ideas???

Hi, i am new to all this stuff so not sure if i am doing this right?? had the usual letter from equidebt sayin is this you blah blah blah.... i did leave a debt on my credit card plus an overdraft before i left the u.k 11 years ago i am now back in uk would they be chasing me over these debts?? any help on the matter? also what should i do about he letter?