The letters I have to hand is on Westcot dated 15/06/2012saying we are no longer managing this account therefore the payment has been forwarded to our client so this would indicate to you the debt has not been sold to Westcot the letter also say you should stop making any further payments to Westcot in respect of this account. Letter from Tocatto dated 08/01/2013 saying standard you owe 453.50 etc wrote to them asking for details of orginal amount and payments received, letter back from Tocatto saying investigating 16/01/2013 nothing back fromTocatto Letter from SRJ debt recoveries saying you owe 453.50 you have failed to respond to correspondence etc...threatening court

Hi Some advice of where I go to Anglian water or the DCA (2) of them I moved out of my house 4 years ago. ( I now have no bills in my name moved into my partners house and he meets all the bills) After 2 years I received a letter chasing 500.00 in outstanding water bill from westcoft, now I was not good at paying the water, other bills like rent council tax slightly more important. So I set up a DD for 20.00 a month this went out my account quite happily for months, then Christmas 2011 the payment didn't go out I contacted my bank who told me westcoft had stopped it, I knew nothing about this was totally unaware, called Anglian water who said they would check and return. In the meantime I made couple of payments to Westcroft who sent me a letter telling me to stop paying them. Nothing at all until January 2013 I received a letter from a DCA saying I owed 473.00 - disputed this with them ( have proof of payments etc) letter from them saying they would investigate and return to me, nothing until received a letter from Tocca saying I owe 473.00 same letter to them - no I don't and asking them what the orginal debt was and asking for details of previous payments I had made so I could match them up. Few days later letter from SJ DCA threatening court action for debt.- just sent copy of previous letter saying same thing Do I complain to Anglian Water or let them take me to court and defend it? I have proof of payments, I have the letter from Westcot advising me to stop paying them All I want is the amount of the orginal debt as I am sure it was around the 500.00 mark but am not exactly sure and proof that all the payments I made were received.

Hi Marlin have only been able to provide me with a copy of the credit agreement dating back to 2001, it is alleged I signed as guarantor to a car loan, I dispute this. Ex was making payments of £1.00 per month for the last few years and suddenly stopped in February this year, now over ten years later they are chasing me. So unfortunaly its not SB. The signature does look like mine, but they have no proof it was me, ex was in and out of prison for various offences inc fraud, ( only went out with him for 6 months) until I noticed things missing in my house (that's another story) Do they need to produce the original document ? Thanks

Thanks for advice the car loan was originally for 3500.00 and they put in the letter about 7500.00 is outstanding, the place were the car was brought closed down years ago and I have no idea now how the loan was with. Is it worth going to a specialist solicitor to help me though this and as I am such there is ppi on the loan as well Thanks

I have no contact by phone by marlin it's all letters but this is the first contact since 2003 with me, in their letter they state it's not statute barred because they have been getting a pound a month since feb 2008 til feb 2012. And I have no way at all of finding out if this is true and why these payments have stopped and we split up because of his lifestyle issue as a non smoker and I used to run marathons (half) a relationship with a heavy smoker and drinker was never going to work, and the doctors had warned him his drinking would be the end for him, so unless he stopped drinking he could well of passed away, he would be nearly 50 now, or back in prison. Marlin have not received a penny from me and I don't know what to do next. Thanks

Marlin have said they received last payment in feb 2012 from my ex but I have had no contact for ten years, saying they have been receiving a pound a month from my ex I can't find out if this is true as I have no idea where ex is even if he is alive. We split he moved up north, 300 miles away the letters marlin have sent me have not been to the correct address, they have got the postcode right. I have never paid a penny and no contact from them since 2003, Am I liable ? And can I make them prove them have been receiving regular payments because this seems to have come out of the blue over 10 years later

I guaranteed a car loan for any ex in 2002, we split up, he carried on making payments (minimal) on the loan, but he has stopped making payments recently. I have had no contact at all since 2003 and now they are chasing me, I sent them the statued barred letter as I have had no contact for nearly 10 years, but they wrote back and said the debt is active because of the payments made. I never ever paid one penny and sent them a letter in 2003 and that's the extent of my contact. Are they right am I liable for this loan after all this time? Thanks so much

Thanks so so much cheers everyone been such a help, nice to see a way forward

Hi Am new not sure if this is the right place to post. Back in 1999 I was a working single mum and my neighbour was a single stay at home mum, we both had keys to each other houses in case of emergencies, if my son locked himself out while I was at work etc. Anyway her cousin moved in I didn't know at the time but he was on bail at her address, whilst I was at worked he took out a car loan and other credit in my name (no photo DL then) he also had no DL (my neighbour pretended to be me to guarantee loan) Anyway I reported him and he was charged he was going to court for voilent behaviour he had a number of offences taken into consideration He got 4 years appealed and it was reduced to 3 years. Now I had moved twice as he threaten me before, I now have had a collection letter from Marlin saying they are chasing me for the debt, the address on the letter they sent is not even correct, I am concerned that they might tell him where I am, that they want money from me, I explained all this over ten years ago. The police said that as he has already been charged I can't report it again as it the credit company that's at fault. Advise please, unfortunate after two moves and ten years I can't find the police crime number and court details.but do remember some of it and it did make the local paper.