Thank you all for doing such a fantastic job you people are awesome!!!
So heres debtnumber 2 and brief story for all those who wants some backgorund info
So my story.... I used to work for HBOS plc (Halifax) as an IT specialist.
In July 2007 During my time at HBOS I became severely ill with encephalitis (similar to meningitis) which left me disabled and stuttered and completely inaudible amongst other symptoms. As a result In 2008 I was let go by HBOS after 8 months of SSP - due to my long term sickness.
Unsecured Loan 2 - From HBOS - £7000 (Home Improvements) 2007
Last payment was in late 2007 possibly early 2008 - my records are not great during the period of my illness.
So I recieved a letter last month from 1st Credit Saying :
**Limited Discount Opportunity**
Pay only 5% of the debt - £325.55 for a debt of £6511.
So I'm thinking I applied on my PPI in 2007 to have these loan payments covered and I believed it was settled.
Now 1st Credit allegedly own the debt.
Easy option Pay them?
Them i'm thinking its statute barred anyway - It must be because no payments must have been made after 2007 - 2008 as I was in a coma and there was no money left in my accounts..
Should I reply to them with a CCA request? Denying al Knowledge of the debt..
Is it worth the effort if it takes a year for them to disappear ...
Also the debt doesn't show on my Noddle credit file.
Advice please. Thank You