Guys.....thank you for your prompt feedback, reverted to this template Your Reference Number: xxxxxxxxxxxx Dear Sir/Madam Notification re The Limitations Act 1980. I refer to your letter dated xx xx xxxx in which you allege that I am liable for a debt in the sum of £xxxxxxxx, please note I do not acknowledge any debt to you or any company you may claim to represent.. Having reviewed my financial history I have concluded that any such alleged debt is statute barred, therefore I will not now or at any time in the future make any payment or offer of payment in regard to the alleged debt. You will now cease to process all data relating to me and remove it from your records with immediate effect. I am fully aware of the OFT Guidance on debt collection 2003 updated November 2012 and the sections relating to the pursuit of statute barred debt. I am pretty much ready to seal the envelope.....unless last minute feedback..!

Actually it is an interesting point of view, that is exactly why I have posted my template prior to send it over. Feedback is well accepted and additional changes on the template on the way.

Just finished reviewing my template and ready to send to First Credit Head Office with Royal Mail First Class Recorded 1st Credit Limited The Omnibus Building Lesbourne Road Reigate Surrey RH2 7JP (address taken from their web site) Firstly no debt is acknowledged to you. Your company has contacted me in respect of the above references of accounts which you claim is owed by myself. Having reviewed my financial history I have concluded that any such alleged debt is statute barred, therefore I will not now or at any time in the future make any payment or offer of payment in regard to the alleged debt. It is my understanding that under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued". I would also point out that the OFT say under their Debt Collection Guidance on statute barred debt that "it is unfair to pursue the debt if the debtor has heard nothing from the creditor during the relevant limitation period". The last correspondence/payment/acknowledgement or payment of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed. The OFT Debt Collection Guidance states further that "continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970". I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed. I look forward to your reply. Yours faithfully

How do I get the full Head Office address? It is not written on the mails......should I get it from their web site?

By the way, one more question......how can I do a recorded delivery to a PO BOX? Is there a way t do so?

Ok will send the letter tomorrow and keep you posted of the results

First Credit here in London

Hi there, I have a debt collector agency chasing me for a debt dating back on 2000, they sent me a first letter and asked if I was confirming living at my current address which I confirmed. Then a second letter in which they asked if I lived at a some other address which I reply confirming. Finally the last letter asking to pay online for a debt which dates back to 2000. I have never acknowledge this debt to this agency so I want to send them a statute barred debt letter, my only concern is that I have signed my first letter, can the debt collect company falsify documents and use my signature?