I thought it was from when they recieve your letter. When they cash the cheque is up to them, otherwise theoretically they could hold it forever.

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Hi, I'm getting the Impression people are claiming for all charges. What if you haven't actually paid them all? Say you have an account that is well over the limit but hasn't been paid for a while (say a year). You will undoubtedly get charged, but can you claim them back?

Thanks for having a go Elliot whoever you are! Edit: Just read Fodders post, they didn't realise!

Still ask you for money when they close them don't they!

I'm still sure that's what they wanted to happen.

I bet they thought you wouldn't turn up. That's they only thing I can think of for such a poor defence (actually no defence by the sounds of it).

Good stuff. Can't believe they had the nerve to turn up though. Well done.

Wonder what bank the Daily Mail are affiliated with.

I can quite clearly see what's wrong now. My NatWest account I'm pretty sure has charges well over 6 years on it. It's wrong they can enforce it after say 7 years just because you are still in contact or admitting liability by paying on the account. If what the court did was correct then surely that leaves us with the same defence if they try to CCJ us? Surely if you had a really bad account (like mine) you could argue that the amount owed is less if you have left it for longer than 6 years. You could argue that all the charges and interest before then are statute barred surely.

The positive thing from all this is that they are only defending and going to court on cases they have a good possibility of actually getting in their favour.

I'm guessing that it's because of when the cause of action accrued. Not sure I'll read up some more.

I'm assuming you had no contact for over 6 years then?

That is excellent!! That's the best one yet! The thing is as well bailiffs can come straight in if the doors are open (as they obviously are with banks). Well done.

Hi, If this did actually get to court I can say the judge would not be happy about them stalling on the no account details issue. I don't know why they are trying this as it's an issue you can't lose on. The judge would say something along the lines of it's on the relevent paperwork, and the issue would end. Very strange.

Serves them right for using last minute tactics. The money is now yours.

I thought the limitations act only applied if there was no contact from one or both parties. They can't use this if you use your account.

Congrats, You actually won by default by the sounds of it.

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