Thanks guys. The letter is written ready to be posted Briggs. I hope to have this sorted for good one day

Forgot to say this last letter was dated 22nd Jan.

Hi again. Well, just as I think I've got everything sorted Cabot have contacted me again. I received a letter from them on the 16th Jan to say the debt was statute barred and that the account has been withdrawn from the regular collections process and then today I have received another letter from them regarding the same account to say that as I have not come to a mutual agreement to pay they are passing the account onto Quantum Debt Recovery!! Is this legal and what should I do???

Is there any one on here that has also had experience regarding automated phone calls. Our land line number is ex directory and also in my husbands name and yet a DCA has somehow got the number and is now sending automated calls at various intervals asking for me in my previous married surname, not used for nearly 7 years. Has anybody else had this experience and how can I stop the calls. Really do appreciate the help given so thanks in advance.

Ok Thanks for that and sorry to cause confusion. x

I have begun to sort out all the debts with help from then lovely people on this forum. From what I can gather they are all statute barred and so far Lowells have written back to confirm this regarding their info they had, but still waiting for Cabot and now also Scotcall. The Cabot debt is on my CRF but Scotcall isn't. They say they are acting for Arrow Global Guernsey Ltd. I have sent them Brigadiers letter of "this debt is statute barred, etc" but wondered how long I should now wait and what should I do next if I don't hear from them. Thank you millions for any advice.

Oh yes and this is not on my credit file. Got an updated one today. x

Ok so today I have received another letter from Lowells regarding another debt. I sent the following to them Dear Sir/Madam You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to Lowell. I am familiar with the CPUTR 2008 and the Office of Fair Trading Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question and that any information placed on my credit file relating to this debt is removed immediately. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions. I look forward to your reply. Yours faithfully They have replied with Thankyou for your recent communication , the details of which have been duly noted. Please note that after conducting an internal trace procedure, using various credit reference agencies, we believe that you are our debtor. If you believe this information to be incorrect then we would advise you to contact the credit reference agencies. The debt relates to a Capital One Card opened on 03/11/2003. We can confirm that we have requested copies of your statements from the original creditor, this documentation will then be forwarded to you in due course. My question is What do I need to do now? I havent even had a credit card for 7 years and I can'[t see anywhere in the reply that they have requested the original credit agreement. Sorry to be the proverbial pain in the backside but I really want to sort this out once and for all. Many many thanks in advance. Lisa x

Hi again. Thankyou for your advice. I have written to RED and Hamptons. Red must have passed it back to Lowells who have acknowledged that the debt is statute barred but Hamptons, who were also acting for Lowells have not acknowledged anything at all. Interestingly, the same person signed for both letters despite being sent to different addresses. I am sure that I have seen a time limit on here and the next course of action but I'll be blowed if I can find it now. Could someone point me in the right direction please. Many thanks.

I'm sorry, just one more question. These letters are coming in a my old married name. I reverted to my maiden name immediately I found out about my exes criminal activities. I have now remarried as well so my question is, which name do I reply in? Many thanks for your help.

Thank you although still none the wiser as I have only ever had 1 credit card and that was citicard. I dont know what to do first. Do I write and ask for the original paperwork or, as I have no knowledge of these debts so therefore have made no payments in at least 6 years, should I just ignore them. I haven't even used that surname for at least 61/2 years as my ex was prosecuted for something and I no longer wanted to be associated with him or his name.

Hi. Thanks for the welcome and for replying. I'll try and put pen to paper as clearly as possible cos I know its a lot. The Hampton letter relates to a debt from Lowell for £1120.61 and the original company was capital one. It doesn't say what type of account it was and its not on the CRA files. My ex husband had a capital one credit card but I've not had an account with them so I don't know the payment history as I have no knowledge of having this , or indeed most of the other, debts. The other Lowell debt is for £1764.13 with the original company called SAV credit ltd. I haven't even heard of this company before. They are offering a 20% discount on this amount. The Arrow- monument one is for 3467.38 and doesn't say who the original company was or what type of account it is. none of the above are on my credit file. the 3 that are as follows are Fire/ cabot 438.00 mail order, default date 14/06/07 but no last payment date, updated 18/10/12 arrow global 1125.00 mail order default date 5/12/06 no last payment date, updated 12/07/11 I honestly have no knowledge of any of the above. The only one I remember is Cabot - original company Citi classic card £915.34, default date 25/07/07, no last payment date, last updated 22/10/08. However I left my ex in 2005 and haven't had any credit of any type or made a payment to any company since July 2006. Any advice would be very welcome as I don't have a clue.

Hi. I'm a newbie on here and I have tried to look through the threads but I think I have only succeeded in confusing myself more. I have recently been receiving letters from Arrow Global, Arrow Monument, Cabot Financial, Lowell Portfolio, Hamptons Legal and Fire. Some of the letters just say I owe a debt but no details, others give an amount but no date and there is one that gives the date of 2003. It looks like Fire and Cabot are related as are Lowell and Hamptons. Now to my knowledge I don't owe any money and I checked my credit file and none of these are on there although there are 2 others on there which I again know nothing about. All of them are in a previous married name which I havent used for almost 7 years. I really don't know where to start as I have never had this before and Hamptons say they can apply for a charging order on my property which I find very disturbing. Any advice would be very gratefully received. Thanks.