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?

Anyone have any thoughts on this one?

I posted a query on another thread and haven't had much luck regarding replies so I thought I would start my own. I am in a very similar situation to a lot of people on here with a DCA. This all started in January when they sent me a 'final demand' (even though it was the first letter that I had received from them) for over £1,000 for a debt that I had on a Debenhams store card. This was nigh on 6 years ago now (but I'm not quite sure how nigh on) I sent the CCA request and they responded with an application form which states that it is a Credit agreement (all signed etc) they did not send a copy of a statement or a deed of assignment. I would really like a statement as it would tell me when the debt is statute barred. I sent them a letter saying that they had not complied with my request, but they have now sent a letter saying that they are going to file proceedings at Rotherham County court. What do I do about that? Any help greatly appreciated

I am in a very similar situation to this with another DCA, I sent the CCA request and they responded with an application form which states that it is a Credit agreement (all signed etc) they did not send a copy of a statement or a deed of assignment. I sent them a letter saying that they had not complied with my request, but they have now sent a letter saying that they are going to file proceedings at Rotherham County court. What do I do about that? Any help greatly appreciated.

Hello, I am just about to intiate court action on my claim, I have had to delay the proceedings a bit due to not having enough money to pay the fee and not having excel to work out the interest, both of these problems have now been rectified but I have a question: I have incurred a couple of charges since I started the process of claiming back my charges, should I include them in my court claim? Any advice would be greatly appreciated. Thanks.

Hi, I am just about to start legal action against Barclays for £2,130 + interest, I was about to fill out the claim online, but I realised that I only have excel reader on my computer, so I can't use the calculator. I will have to work out the interest at work (sneakily, while nobodies watching) tomorrow. I've sent all the letters, my case has been ongoing since August (bit of a mix up with addresses by the bank) they have offered me £595 as a 'goodwill gesture' which I have refused. I am now moving into the legal phase of things. Funnily enough, I am not nervous about it at all, in fact I am quite looking forward to putting in the claim, it's all a bit of a cathartic experience to me. I will get back my money and I will take it as far as they want to go until they have to buckle. I will update this thread every step of the way and hope that it will help others to do what is necessary to get their money back.

Ok, I am off to do that now.

I've had no response and it has been over 14 days. In your opinion should I go ahead and claim? Or should I wait for a response?

This is what I sent, does it count? Dear Ms Frimet, First of all please could you ensure that all future correspondence is sent to the correct address (as shown above). I moved on the 4th August and I have changed my address with the bank. I belatedly received your letter of 19th September, offering me a ‘goodwill gesture’ of £595 towards the total amount that I am owed. I am writing to inform you that I do not accept this offer and would ask you again to refund the amount of £2,130 that you have unlawfully taken from me over the last 6 years. Please repay the money owed in full within 14 days. If this is not done, I will begin legal proceedings for the full amount, plus interest and my costs, without further notice.

Oh yeah, first letter was sent in August. I also sent a chaser in september. I subsequently found out that the Customer relations dept of my bank was still writing to my old address (even though I changed it when I moved), I received the offer of £595 2 weeks after they had sent it, and I sent the letter telling them to stick their offer on the 1st October. Capt. eh? I like the sound of that...

Hello, this is my first post on here but I'm at a fairly advanced stage, I have sent an initial letter to ask for my charges back (£2,130), I have received an offer of £595 (which I turned down) and I am now about to start court proceedings as I have received no reply. I am claiming the money back off of Barclays, have I followed the correct procedure thus far?