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  1. Hi all I opened up a barclaycard in 2008, defaulted on it in 2012. In 2018 they sent me a pre action protocol letter which I returned to them asking them to prove the debt was mine. last week they returned some items to me that look like potentially old statements. I was paying them back through payplan with the last payment being 3rd July 2014. as it has been 6 years since that date am I ok to tell them it is statue barred and is there any specific wording I need to use. i was thinking about writing a letter converting to a pdf and then emailing it them as I don’t have access to a printer at the moment. would this be the correct thing to do? thanks
  2. it's still on the report. it's defaulted. Natwest just no longer report it on a monthly basis. I've attached a screenshot a bit further up the thread on it how it looks. Thanks
  3. Ok so as I phoned up and made the offer it’s still stat barred. only reason I made the offer in the first place was I’m going to apply for a mortgage next year and thought it might look better if the balance was settled
  4. 3950 i think it is - and it is still with Natwest they are the ones i called
  5. i just did it over the phone? well they said they would reconsider if i filled out one of those things proving why i can't afford to pay a monthly payment back and asked where i go t the money from. Should i do it, do we think?
  6. Hi so nobody actually replied once the threads were merged. has what I have done reset the stat barred clock? for the record they said the reason they rejected the offer was because they wanted to know what my monthly outgoings were where I’d got the money and why I couldn’t pay back a monthly amount.
  7. Yes and they are natwest And when I say they don’t report it it isn’t on my credit file they just don’t report it monthly
  8. i have a defaulted current account of 38xx.xx with natwest. they dont report it on my credit file each month anymore but it is defaulted. it defaulted feb 2016. i phoned up to see who held the debt and offered 1200 full and final settlement over the phone, the person on the phone said they would fill in a form for me and send it off. they rejected the f and f
  9. If i offered a settlement to somebody and they rejected it - does this count as acknowleding the debt - or is it if you just made a payment towards the debt
  10. ok no advice.... anyway update: theyve marked it as settled now and offered £150 as compensation for my chasing.
  11. Hello all just looking for a bit of advice really. had two lending stream loans back in 2012 that had defaulted on my credit file. i sent IRL complaints in 2018 and they agreed they were lent irresponsibly so if I have paid the actual loan amounts back they would write it off. now I ignored it for a few months until I realised that they had amended my credit report to showing two active accounts and no defaults anymore with the balances I owed. a bit annoyed I could have just waited a couple of extra months and they would of fallen off I paid the two amounts off to clear the loan and get them to mark as settled. this was early October 2018. Now one if the accounts has been marked as settled but there is another one that shows as still active on my credit report with no Balance. its in good standing so it’s doing no harm but I don’t want it on there anymore. Since October I’ve been going back and forth with lending stream and Experian to try and get it settled. lending stream say they’ve sent the amendment but Experian say they’ve contacted lending stream and the account is right. Experian won’t look again as I’ve already asked twice. what should I do?
  12. They said I couldn’t pay them (SLL capital) i said well who owns the debt and they replied with ACCOUNT REFERENCE: ******ACCOUNT BALANCE: £600.00Dear ****^^^*^ We are writing to let you know that your original lender FIDELITY WORKS LTD account has been passed to Moriarty Law in relation to the recovery of the outstanding balance.If you have any questions regarding this debt, we kindly ask that you contact Moriarty Law on the details below:Moriarty Law15 Old Bailey, London, EC4M 7EF0203 126 4544Email: [email protected] faithfully,SLL Capital LtdSLL Capital Ltd is authorised and regulated by the Financial Conduct Authority. Company number 2410955 Registered Office: Unit 6B ZK Park, 23 Commerce Way, Croydon, CR0 4ZS.If you have received this email in error, please notify us and delete it. If you are not the intended recipient, you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited.
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