thank you x

thanks for that will let u know how i get on sam x

Hi Jan Thanks for the quick answer, just 1 more question (for now lol) what letter would i need to send to them and would i just quote the reference number from lowells for them to be able to track the account? Thanks again Sam x

hi everyone i was given good advice with a debt i had chasing me, by peeps from here so i thought i would try again with a different query. I have been paying an old barclaycard debt to aktiv for a while. when i First started paying it was around the £900 mark, i am now down to about £360 which i am paying at £20 pw. My query is not regarding the fact that i owe the money, i know i do, but what i want to know is...... when i had the barclaycard i had a limit of £500 with all the charges etc that were added this became nearly £1000, can i write to aktiv and claim unfair charges, or do i follow another route i.e asking to see a copy of the original agreement etc. Any help would be greatly appreciated. Keep up the good work that has been done here......this is a great site helping loads of peeps like myself sleep at night:) manther x

is paul miney in the bank or dealing with credit cards do you know, or is he doing both

Thanks for that Pam, its REALLY appreciated. I must say this is the first time i have seen and used the website, and it has been a good experience so far.......very helpful thank you:-)

Hi, Thanks for that i am now checking out the link. Much appreciated Manther x

Me again Pam, a few other things i have just noticed with this letter: 1- It is addressed to me in my old name, my name changed in 1998. 2 - The return address is a PO box number 3 - There is no signature at the bottom of the letter. If they dispute this, what would be my next course of action please manther x

Thanks for that pam, i will try it and see what happens. Its not that i am not willing to pay the debt, but as far as i am concerned it was a little over 10 years ago, i have had only 2 permanent addresses, i have been on the electrol register for the whole time, so it's not like i've been hiding from them. It looks like they are just trying their luck. Thanks again and i will let u know the outcome:) manther x

Hi, Could anyone please please help me with this.......... i have recently recieved a letter from Debt Management Ltd in Edinburgh. They are chasing me for a debt dating back to 1996, its for £160. Although i cannot remember this debt, i know i did bank with barclays when i was 18 so i am not going to lie and say this has nothing to do with me. I phoned them to ask what it was for as this is the first contact i have had from them, they explained and i told them that i couldn't remember the debt. The letter that they sent was threatening court action, i asked if i could pay the debt in weekly instalments they refused, but said i could pay half this month and half next month, the first £80 was supposed to be paid on tues but i haven't paid it as i have had a few people telling me that they cannot chase me as the debt is more than 6 years old. Could someone please explain the law on old debts before i make contact with them again. Also has anyone had any dealings with them before if so with what results. I really would appreciate some help on this as i am losing sleep:( thanking anyone in advance for taking the time to both read this problem and any advice they may have. look forward to hearing your replys guys manther x