I will report them again believe me. I just cant believe where there getting these figures from... Should i ask for a statement before i send this letter at least i have more proof when making another complaint. Please let me know your thoughts! And thank you all for your help here!!!!

This is what the have sent back after the letter " I do not acknowledge any debt to your company": As previously advised, your last payment was received on 10th August 2010 and therefore your debt is not statute barred. You were making regular payments in 2006 for £75.00 and you made one payment in August 2010, four years after the last payment was received. This payment started the six year clock, so to speak, and your account remains due and payable. This payment is proof that your account is not statute barred. However, in the process of investigating your comments it has come to my attention that the balance outstanding is incorrect. Currently your outstanding balance is showing as £4,264.54 but I believe this to be incorrect. I believe your outstanding balance should be £1,486.24. From 17th July 2003 to the date you agreed to return the vehicle, 21st June 2006 (36 months), you were responsible for making your monthly instalment payment of £433.78. Between July 2003 and June 2006 you should have made 36 payments of £433.78 which would have totalled £15,616.08 however you only paid £14,054.84. The difference between these two sums, £1,561.24, is your arrears figure and you remained liable for this. You have made one payment since 2006 in the sum of £75 so your current outstanding balance today stands at £1,486.24. Please contact our office with your payment proposals. So this was the letter. All of this is absolute bull.. They are pulling figures from the air and they have no clue what they are talking about. The payments they are talking about are all phantom payments. The debt has already been removed from my credit report as it is statute barred. Please can someone provide me with a template of a letter that I can send them so the can F OFF! A nice hard hitting one. Also how can I find the telephone number of CREDIT ACCEPTANCE CORP UK LTD as they seem to be impossible to speak to. Anyone's help is much appreciated.

Any news as this is what they have written back

Ok...so how can I get in writing that the debt is statute barred?

This is what the have sent back after the letter " I do not acknowledge any debt to your company": As previously advised, your last payment was received on 10th August 2010 and therefore your debt is not statute barred. You were making regular payments in 2006 for £75.00 and you made one payment in August 2010, four years after the last payment was received. This payment started the six year clock, so to speak, and your account remains due and payable. This payment is proof that your account is not statute barred. However, in the process of investigating your comments it has come to my attention that the balance outstanding is incorrect. Currently your outstanding balance is showing as £4,264.54 but I believe this to be incorrect. I believe your outstanding balance should be £1,486.24. From 17th July 2003 to the date you agreed to return the vehicle, 21st June 2006 (36 months), you were responsible for making your monthly instalment payment of £433.78. Between July 2003 and June 2006 you should have made 36 payments of £433.78 which would have totalled £15,616.08 however you only paid £14,054.84. The difference between these two sums, £1,561.24, is your arrears figure and you remained liable for this. You have made one payment since 2006 in the sum of £75 so your current outstanding balance today stands at £1,486.24. Please contact our office with your payment proposals. So this was the letter. All of this is absolute bull.. They are pulling figures from the air and they have no clue what they are talking about. The payments they are talking about are all phantom payments. The debt has already been removed from my credit report as it is statute barred. Please can someone provide me with a template of a letter that I can send them so the can F OFF! A nice hard hitting one. Also how can I find the telephone number of CREDIT ACCEPTANCE CORP UK LTD as they seem to be impossible to speak to. Anyone's help is much appreciated.

Is now a good time or should I wait?

Oh yes I will ...again. Trust me.

Trust me I will wait your help is much appreciated thank you so much.

These people are shameless. They will continue to write. I need to get those statute barred letters.

Also does anyone know how I can find a number for credos Acceptance UK. All I can find is American numbers.

i have already written to them stating the above mentioned. They then sent this letter stating that they've given me reasonable time and now they are passing my details on. What about finding the statute barred status or letters?

Hi there, Time for an update... I have today received a letter from Marlin stating that because i did not contact them within reasonable time they are now passing my details to Mortimer and Clark for legal action. I am still baffled as to how they are still trying to chase this debt! Also as mentioned before i do not have the statute barred letters from Credit Acceptance Corp and for the life of me and can not find a working telephone number for the as well. Is there any way that i could contact Experian or Equifax and ask the for the statute barred or removal requests received from this company. Also on the letter it says Original creditor: "Credit Acceptance Corp UK LTD" and under that it says "MCE PORTFOLIO LTD" does this mean that Credit Acceptance has sold on a statute barred debt? Also should i now ask for a statement of where that phantom payment came from? I just want these people to stop harassing me and all the other innocent people just trying to get on with their lives! Many thanks!

I will do defo! Many thanks once again!

Ok thank you so much. I will keep you updated.

Many thanks I will do that first thing in the morning. Also should i not ask where this phantom payment has come from?