Right, firstly, I really appreciate the advice, I mean really, it's certainly helpful especially as I have no idea about how to write such letters (and I am a professional writer). You say I should aler paragraph 4: would the following be much better then, generally just taking out the first sentence: Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed.

A few years ago, Iboguth a second hand Forc Focus, got the finance from Ford Credit, the actually showroom made a hash of the deposit payment, but I soon got over that until my business suffered a break-in, I ended up missing 2 payments on the finance for the car, but we soon got back on track. However, Ford wanted to pursue a repossession for the vehicle, even though we had made an offer of repayement for the 2 months that were in arrears. Here is where Ford got really nasty, they would not accept any offer at all and insisted that the vehcile was repossessed. I got very desperate and contacted my local CAB who were BRILLIANT!!! She got me to the local county court where we issued a time order, preventing any repossession whilst we sorted out the paperwork for the defence. Ford were n ot very willing to forward any details of the agreement to my CAB representative (did I mention she was BRILLIANT!!!), although she had never had such a case as this before, but went out of her way to learn more. A date was set for the court hearing in Kendal, Cumbria, Ford decided to ask the court to o miove the hearing forward, it didn't matter, we were ready. Ford got a local solicitor to act on their behalf, but as with my CAB representative, they didn't even forward him a copy of any paperwork, he was just there to obtain direction for where they can collect the vehicle. We sat their in the court office, I was absolutely crapping myself up to the point where the judge began to give the solicitor an right roasting, he had no details of the defence paperwork that we sent to Ford or the agreement, they hadn't even forwarded us a copy ofd the agreement as had been requested on numnerous occassions. The Judge insisted that an agreement should be faxed through and so we had a recess for 30 minutes. A copy of the agreement was faxed through, but barely readable, so again, the judge gave the solicitor another roasting and gave us our victory by alolowjng us to make our originakl offer of repayments over the next 12 months as well as the normal monthly payments. Even up to the final stages of their attempt to get the vehicle, a paymebnt was due out of our banbk accoiunt 3 days before the court hearing, Ford didn't ask for the money like they were supposed to, not sure whether it was a DD or SO, but weither way, they call for the payment, so again, the judge saw this favourably on our case. The solicitor went away with his tail between his legs and we went away realsing we had just beaten a big international corporate company in a county court. Anyway, you imight think it was all over, but on the contrary, I mean the vehcile was paid off almost 2 years ago now, but one issue does remain, our final payment was actually too much by about 26p. I wrote to Ford about this and they tried to turn a blind eye and ignored my request for a refund. Were it the other way around, they would no doubt be trying to repo the car again. I was tempted to take this matter further, but is it worth it for 26p? At the end of the day, I was so distressed about the way they were treating me and not even prepared to accept anything I said, they were adamant that they wanted to repo the car, what was the point, all they did was make a fool out of their solicitor.

Hi guys, need some serious advice on this matter. I have recieved 2 letters in the last few weeks from Wescot chasing me for a debt that if I am right in thinkingm is werll over 6 years old. Needless to say, they are threatening me with court action. I have not even has any contact with this or the company that I am supposed to owe money to. So need to know where I stand on this. Thanks