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  1. they have my current address, which is where they wrote to me to say they have closed both accounts and will no longer be pursuing the debts after I had contacted them to try and arrange something. I didn't update at the time due to circumstances Was just enquiring to see if I could have the default marked as satisfied or anything else
  2. Hi Dx, can't really say how long after last use/payments the defaults were issued the CCJ was filled 13 march 2018 the default date for the other is marked as 24 August 2018 Sorry, I am a bit confused about the last part of your post
  3. Hi guys, I haven't heard anything back from Spredex and the debt has dropped off one of my credit files. Just a quick question, as i have two remaining debts on my file, both with Lowell who wrote to me last year confirming they would not be pursuing the debt . 1 is a CCJ and the other a default. Is there anything I can do to alter my credit report? thanks
  4. thanks DX, makes me feel better about asking "stupid" questions, even if I am quite sure of the answer now
  5. letter was sent today. In regards to the email, should I respond saying I have sent a letter in the post, or just ignore it? Guessing I do nothing more, but just want to be sure
  6. I did assume it was my details, just wanted to be sure...in case used in court to show it was addressed to them. Thanks DX will do the rest as suggested
  7. thanks DX. So I send the reply to reply PAP PDF, ticking D " I dispute the debt because it is statute barred" I ignore "I" and everything else, and just date and print name. I enclose the statute barred letter with it. Silly question but at the top of the PAP reply form, where it asks for details. Full name, address, post code etc....is this my details or spreadex's?
  8. thanks for the replies...relieved to hear this. Probably not relevant, but I wouldn't say I have tried to "evade contact" as they had my email address and I updated my address in the online account at least twice. also apart from this recent notice, i don't recall receiving anything from them chasing up the debt, only online statement emails So what should I do now, still just send the letters as advised by DX or?
  9. I've just received an email from them in response to the SB email I sent them: Dear Mr ******** Thank you for your email. It is clear that you have misinterpreted sections of the Limitations Act, surrounding statute barred debts. In particular: "...a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period." 7.15.4. The above explicitly states lender OR owner, not Lender AND Owner. Whilst you have tried to evade contact for a rightly and legally due debt, Spreadex has kept contemporaneous diary notes of all attempts to contact you regarding repayment of your debt over the last 6 years, which will be submitted as evidence in Court if necessary. We are therefore satisfied that your debt is not statute barred and should be grateful if you would forward a proposal for settlement. Regards
  10. Thanks DX, So just to clarify, I should send back the PAP reply form, just clicking D "I dispute the debt because it is statute barred" ? then just print name and date AND enclose the statute barred letter again? Do I click I at all?
  11. Thanks DX, I just wanted to clarify what i need to do/send as the hyperlinks can be a bit confusing. send a CCA request (using the PDF on post 2) CCA Request - Consumer Credit Act 1974 **Updated January 2015** - Debt Collection - Consumer Action Group statute barred letter stapled to it. And also i need to send "Reply to PAP" PDF on post 2, typing the info given in the same post? On the CCA thread DX, in post 3 you have written: for ref: Fixed loans are section 77 credit cards and catalogues are section 78 HP agreements are section 79 I don't think Spreadex is covered by any f these?
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