Not heard a thing since i sent the statute barred letter

The Bailiff didn’t show up on Monday and i have not seen my friend since (see, it is really not me, it is a friend ) If your advice is correct, and i have no reason to think otherwise, i struggle to imagine a more favourable outcome. I shall pass on your advice & post back when i have an update. Many, Many thanks.

Thanks. I will get my friend to make that her first call on Monday.

[ATTACH]39120[/ATTACH] The attached is all we have

She hasn't moved address and she does say she heard nothing about the court apearance

I am asking this question on behalf of a close friend. At the beginning of the year, my friend was stopped by the Police, driving without a licence. She heard nothing until 10 days ago when a letter from Marston Group Bailiffs demanding some £975 turned up. My friend ignored this and has had a bailiff call today demanding £1175, or they will remove goods on Monday at 07:15. They say they will be accompanied by the police. They also threaten to force entry. My friend genuinely heard nothing until 10 days ago, has absolutely no money and very little in the way of goods to be removed. Do we have any options? Can the bailiff force their way in? Can they threaten my friend with jail – they have done this The letter left by the bailiff says that it is a final notice, does not specify what the debt is for, and appears not to be a court warrant. My friend is extremely worried (as she should be), but she could do with some sound advice if anyone can be so kind Thanks Droopy

UPDATE Hi all, Had another letter from the nice chaps at 1st Credit offering me a discount if i paid them now. They have clearly taken no notice of me disputing the debt, so i have reiterated my point and sent the "statute barred" letter by recorded post i shall await their next move

Can i do this ? I don't recall ever making a payment as i don't recall taking out the loan. If i did, it was 15 years or more ago. I am contacted every couple of years by a succesion of Debt collection companies Sccott

Hi Havinastella, I am havinanaldidietcoke I picked up the "don't speak " thing whilst trawling around and it does seem like good advice. Will shout up when i hear from them again Thanks Scott

Greetings I am new to the Consumer Action Group and I have spent quite a while looking around. It seems that you are doing great things here and I could use a little advice myself. Bit of History I have just spent seven years in a Debt Management Plan with Payplan (who I can definitely recommend)and I have just become debt free (or so I thought) after repaying over £40k. It damned near killed me (seriously – I had a major heart attack half way through) and it was recommended I declare myself bankrupt more than once, but I stuck at it and I finally paid everything. Problem I have just received a letter from 1st Credit looking for me. Not wanting to stick my head in the sand, I called them, to be told by the nice man that I owed some £2.5k on a Lombard bank loan going back to an address I moved away from 15 years ago. Tis jogged my memory as I will explain, but I told him that I wouldn’t be making full payment today as I disputed the loan was mine and asked him to supply me with a copy of the agreement. His said he would supply this and I bid him goodbye. Lombard Bank This “debt” from Lombard bank first raised its head around 8 years ago. I honestly don’t recall having dealt with them and I don’t think this debt is mine. This debt has been sold and re sold several times and 1st Credit have tried to collect before. Every time a new company tries to collect, every 2 years or so, I ask for a copy of the credit agreement and dispute the debt. They then tend to go away only for a different company to try and collect a couple of years later. I have checked my Equifax records and there is no mention on my file. Is there any way to stop these people keep dragging this up? It appears they have no more proof that I am responsible for this loan than I have. Any help would be gratefully received Thanks Scott