Hi Robert1168, My understanding of it is that if you were to pay off the full amount within one month of receiving the judgment it would be removed from your daughters record.

I'm quite happy to let this one lie to be honest...

Hopefully this matter is now closed. I received statements from GE Capital yesterday, although they only go back to October 2001, I have calculated (based on the overdue amount on the earliest statement) that the last payment would have been made sometime before 19th May 2001, therefore the debt is statute barred! I am glad that the debt can no longer be enforced, although part of me does hope that Aktiv Capital continue to chase it just so I can tell them to sod off.

Funny how these things work out. I've had a letter from Debt (mis)Managers Ltd this morning advising me that they are returning the case to Aktiv and that no further action will be taken by them. This is from a company that, a few weeks ago, were definitely going to take me to court unless I contacted them immediately and were then going to make investigations into my financial situation and possibly turn up on my doorstep. A dramatic change of heart I'm sure you will agree.

Hello, well a few things have happened on this since I wrote last, but mostly empty threats purporting to be promises. Today I received a letter from Parkgate Investigation Bureau threatening to turn up on my doorstep (oh, please do...) or investigate my financial circumstances unless I phoned Debt Managers Ltd (as if I'm going to do that...). Funny thing is the letter is from an address in Rotherham, but their registered office is in Edinburgh, I happen to know that Debt Managers have an office in Rotherham and are based in Edinburgh. Coincidence? has anyone else heard of this shower of b*stards?

Yeah, I have CCA'd them, they sent me what appears to be a shop application with certain elements of a CCA (but not all). I have not received a deed of assignment or any statements. I am not really worried.

I have a letter that says 'will' as opposed to 'can' or 'may'. Should I therefore be worried? This letter was receivde over a week ago and informs me that action 'will' be taken immediately, I have received no court pack as yet though...

Surely someone has an opinion on this? Please?

Anyone at all?

Can anyone confirm or deny Kennyparkroad's opinion?

Thanks for that Kennyparkroad. Anyone else have any opinions?

Does this count as Cancellation rights on a CCA?: 'Your Right to cancel Once you have signed this agreement you will have a short time to cancel it. Exact details of how and when you can do this will be sent to you by post by us.' Any comments welcome.

Done & Done

Hi Kennyparkroad, Thanks for your reply, I do not have a CCJ on this one, I have also checked my credit file and it doesn't show on there either (no links to other addresses or anything). Can they take me to court without a default? I was under the impression that they couldn't. I was wondering whether they sent me the letter saying that court action was imminent to try to scare me into contacting them. I'm not easily scared any more.

I have sent an SAR off to Debenhams and have written to the DCA advising them that I have done this, basically I have said that this debt is in dispute and no further action should be taken until it is resolved. Surely they shouldn't start legal proceedings until the dispute is sorted?