Thanks, found and followed a similar thread thats a bit further along than me. Will keep reading.

My last date for response is 6th of january according to the court papers. Will i have time ? Ignore my last post, just having a minor bit of anxiety.

Cheers, not paying attention properly. SAR request now sent. I will update you as soon as they reply. Thanks.

Thanks I will get onto it after work. Daft question but do I email the reply?

Reply from AABRS Dear Xxxx We regret we are unable to assist. While we do have records they are of such quantity that researching the same for any information that may or may not assist would be prohibitively time consuming, costly and of no benefit to the liquidation estate. Doesn’t look too hopeful.

Contact email for AABRS for RMR/Compass clients : [email protected]

Found a contact email for AABRS for RMR/Compass customers. I have contacted them asking who may have records re my statements and payments. Hopefully i will hear something back.

The insolvency practitioners were AABRS There are lots of links on google about compass. I will see if they can give me the info regarding last payments. How the directors avoided jail is quite something, still I am where I am so best not dwell on it. Thanks again for your help, looking forward to a somewhat better nights sleep now.

Thanks a bit slow minded tonight, not done this sort of thing before. Wish I had found this site before I found Compass.

I think I mis understood the section I read about sar request. So it looks like I need to send a sar request to PRA to hopefully find out when they last received payment from RMR.

Is the SAR request sent to LloydsTsb? Am I correct in thinking if payment hasn’t been made to PRA by RMR in December 2015 it will be statute barred?

Yes, that is the same company, thanks for helping me with this.

name the issuing court: Inverness, The Inverness Justice Centre, Inverness, IV1 !ah Who Is The Claimant: PRA(Group)UK Ltd, 15-17 Elmfield Road Bromley, Kent Br1 1LT Who Are the Solicitors: Brodies LLP, 110 Queen Street, Glasgow, G1 3BX What type of action? (Simple/Ordinary):Simple D1...What is the claim for – On or about 1 November 2000 Lloyds TSB Bank plc entered into a credit agreement (herinafter referred to as "the agreement")with the respondent. A copy of the agreement will be produced. The respondent failed to maintain payment of the instalments due in terms of the Agreement. On or around 13 april 2007, Lloyds TSB Bank Plc served a default Notice on the respondent. The respondent failed to make payment in satisfaction of the Default Notice. Lloyds TSB Bank Plc terminated the Agreement. The balance outstanding in terms of the Agreement is £2.953.11 which is the sum sued for. On or around 27 June 2013 Lloyds TSB Bank Plc's rights in terms of the agreement were assigned to the claimant. Notice of the assignation was intimated to the Respondent. Since the termination of the Agreement, the Respondent has made payments to account in respect of the sums due. At no time since the termination of the Agreement has there been a continuous period of five years in which the obligation to the Pursuer has not been relevantly acknowledged. The Respondent last acknowledged the sums due and outstanding under and in terms of the agreement by making a payment of £5.27 on or around 29 December 2015. The Respondent has been called upon to make payment of the sum sued for but has refused or at least delayed to do so. The action is accordingly necessary. [D4 BOX SPR FORM] or [Condescendence from Writ] Date of Agreement: 1 November 2000 Unpaid balance: £2,953.11 Balance is due under a credit card agreement which commenced with a nil balance. date of raised claim [or court stamp date from writ or date from ] :- 2 november 2020 Last Date Of Service [or from form 07]:- 16/12/2020 Last Date For Response [or from form 07]:- 06/01/2021 What Documents are listed in Box E2:[or in your form requesting the same?] 1. Agreement Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- Credit card. BOX D4 what has the claimant stated: IN FULL Date of Agreement: – 1 November 2000 Reference Number: – is this the original creditors account number? (y/n) , No number stated. how many digits does it have? No number stated. Unpaid balance: - £2,953.11 BOX D5 what has the claimant stated: IN FULL or [Pleas in law from the writ] The claimant wants the court to order the respondent to pay the claimant the sum of TWO THOUSAND NINE HUNDRED AND FIFTY THREE POUNDS AND ELEVEN PENCE(£2953.11) STERLING with interest on the sum at the rate of 8% per cent per annum from the date of citation until payment. ….. from your knowledge: answer the following: When did you enter into the original agreement before or after 2007? Before 2007. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.:- Assigned and it is purchaser who has issued the claim. Were you aware the account had been assigned – did you receive a Notice of Assignment? I cannot remember. Did you receive a Default Notice from the original creditor? I cannot remember. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No When was you last payment:- Going by the citation it was around the 29 December 2015. Why did you cease payments:- Compass debt counsellors were managing my debts and went into liquidation. I was not contacted by creditors aside from one larger account who sent me statements of account for a while. Was there a dispute with the original creditor that remains unresolved? No. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No

I am not sure if i am posting this correctly so apologies in advance if i am not. In 2007 I handed over various debts to Compass debt counsellors, all paperwork was forwarded to them at their request and i no longer have any records. At some point in 2015 i stopped hearing from Compass altogether and my payments stopped, later i discovered they had closed down, losing a sum of money they had put aside for settlements too. Much to my surprise and relief none of my creditors contacted me apart from a statement of account for one of the larger debts which never contained any demand for payment. On 05th november i was served claim forms by Sheriffs officers from PRA group and Brodies solicitors. The claim relates to a credit card issued by LloydTsb "on or about the 01st november 2000", payment was being made by Compass of £5.27 per month until "on or around Dec 29th". I am unsure how to proceed, I cant really deny the debt as it looks like had been paying it in the past, should i use the section of the form to apply for time to pay? The last response date is 06/01/2021. Thanks in advance to anyone who can offer some advice on this.