Hi. First time here and spent a few hours looking through the impressive library of information here. Hopefully someone will point me in the right direction. Yesterday, out of the blue I got a letter from CT Capital, to my new address, I have moved twice since my least dealings with them, they did not use my first name, just my last name. It says I previously made a complaint about PPI with them which was rejected. Following a supreme court decision and new rules by the FCA, I can now make a new claim, and then some information of high commission levels they received. I looked at google and found out they are some form of group associated to Central Trust, a company that I did deal with years ago and it didn't end well with them, I am deeply suspicious of anything they tell me. I will explain, this maybe a long post due so I apologise in advance. In 2005, I bought a house after a relationship ended very badly, and having to start all over again and not with a perfect credit record, I got a mortgage with a company called Southern Pacific. Two years later in 2007, and still having a few debts I still needed to clear off, as well as some house improvements I needed to do, I took out a secured loan, which I believe had connections with the mortgage company, Central Trust, the loan did have PPI which I was told was needed due to being under my works two year probationary period. The value of the house in 2007 was £135k In 2008, I was rushed into Hospital with a suspected blood clot, two operations followed and I was unable to walk for 4 months and unable to work because of it. I contacted Central Trust and was told that the illness was present before I took out the PPI therefore no claim was possible but due to my then current issues they would forward me a payment cheque for just over £1600, which I received. This was a bad mistake on my part, six months later it was clear I would never be able to continue in my normal job and I resigned from it. That would be in 2009. I had some savings to keep up payments, and with claiming housing allowance of £365 which was paid direct to the mortgage company I tried to find alternative work. My savings then ran out and still not able to find work, the Government changes to how money was paid to those with a mortgage, that reduced to just £85 a month. I then quickly ran into debt on both the mortgage and the loan. Both were kept up to-date but both were an absolute nightmare to deal with, even CAB got involved, but with no work materialising, I was in deep trouble. You sort of hope something will change but it never does. Each one took it in turns to seek repossession, in total six court appearances over a few years, in Oct 2012 I gave up, with another court possession order posted through the door and my mental health in tatters, I just left the property and went into rental accommodation. About 8 months later I got a phone call from some debt collecting company saying the house was now sold but there was a short fall on the mortgage balance, some £21k. I did need a balance sheet for the housing benefit as they were aware I had the house and wanted to know if there was any money coming to me. I gave them my new address and a few days later the balance sheet arrived. The house had been sold for £78k. A few days later two phone calls from the debt company. I told them I disputed the debt as I had issues with how the PPI was cancelled, had that been in place I may have been able to claim on it, therefore I held them responsible for the loss of the house. I was not in any financial position to pay anything or take the matter to Court, however I would be very happy for them to take me to Court so we I could have my say, and to not phone me again. That was in 2013, and they never did phone me again and I never did hear from them. What was eve stranger was that I never heard anything ever from Central Trust, from 2012 todate. I stayed in that house for nearly four years and in 2016 found a better place to live and rented elsewhere and moved again Over the last three years I have got back on my feet again. My credit rating is much improved, bit way to go yet, but getting there. I noted on my report that in June 2013, Central Trust updated my credit file to payment received and account settled - balance zero. We now come to yesterdays letter from CT Capital. Once I realised the association with Central Trust I got concerned. They have gone to some lengths to find me, not used my first name, but the address is correct. I can't find any search made on my credit report. My first thought was, sod this, and I nearly threw it in the bin. All my past dealing with these people have not been positive, at times really nasty. In some ways I would prefer to take my chances kicking a ball into Kim Jong-un's garden. But, the other side of me is thinking; They drove my nuts before and in many ways were responsible for my situation. But is it some sort of fishing trip? I really don't know. The letter looks genuine, but with those people you never really know. I can't find any information on the internet regarding PPI and CT Capitol except the Ombudsman fine they were given. I think I have covered everything, it is a complicated story but I did my best to do a condensed version. Many thanks in advance. Tony

Hi everyone, Received a letter from The PRA Group this morning, kindly complying with their "Legal obligations" by sending me a statement of my account with them for the year. This is an old Barclays Bank debt which defaulted back in 1991! Unfortunately I was made redundant at the time, fell into debt and lost my home. To be brutally honest, I'd completely put this period behind me and eventually got back into shape. I even have my mortgage and bank account with Barclays now. What concerns me a bit is a line in the letter threatening a black mark with the CRA's. Is this just a threat as the original debt defaulted and was on my credit report for over 6 years. I understand it's well past the Statute Barred period. Should I keep the home warm by throwing this letter on the fire?

I had court papers in October 2015 from Restons on behalf of Cabot Financial (UK) Ltd. I put in a defence and requested CA and stated I believed the debt to be SB. Just before Christmas 2015, Cabot sent me a letter saying they could not find the original CA and as such any alleged debt was "unenforcable". Today I get a letter which says: "We have been instructed to write to you regarding the above matter. We note from reviewing your account that you have not withdrawn your Defence, nor has a payment arrangement been agreed. Due to the time which has elapsed since the proceedings were issued, our Client has asked us to remind you of the detail regarding the outstanding debt. The current outstanding balance is *jellybeans* which relates to the Aqua card facility with account number *chocolate coins*. Our clients records indicate that the account was opened on or about *mint crisps* 2008. In line with the Terms and Conditions which governed the account, the original creditor had a contractual right of assignment. In other words, the original creditor was entitled to transfer their rights and benefits under the account to a third party and that right was exercised on *Quality Street* 2011. Our client has asked us to explore the possibility of a settlement being achieved without the need for this litigation to continue and is therefore is willing to enter into a payment arrangement that is affordable and sustainable by you. We kindly ask that you complete and return the attached financial statement within the next 30 days, confirming what your offer of payment is. If you wish to settle the matter by way of a lump sum payment our client may be able to offer you a discounted settlement figure. Please contact ourselves on the above telephone number if you wish to discuss settlement of your account or have any queries relating to your account. Yours faithfully *Toblerone*" I gather it's a fishing trip?

Hi, I have a debt which is outstanding with Lowells, the information on my credit file is confusing. Name [Me] Address [Old address] Date of birth [DOB] Account type Credit Card Account number *****4787 0 Account start date 05/10/2010 Opening balance £ 1,352 Repayment frequency Monthly Date of default 31/01/2013 Default balance £ 1,352 The above information is accurate, but i think that they are clutching at straws. I say this because i have been sent one of their knocked together in excel style "Digital Signature Application Details" as proof of the debt, when they sent this the letter on the back it stated that they would also provide a copy of my agreement which they have requested from the original creditor - this has never been received. The letter also states that until that is provided my account would be on hold - but they have sent letters since that time. Because the account was only opened in October 2010 and payments were made until into mid 2011 on this card I know that i could wait until into next year and it would be statute barred, but i think that i have the potential to fight this sooner and have it removed from my file at the same time - which would be great as i hope to apply for a mortgage in October this year Is there a safe way to go about fighting this without admitting ownership of the debt with a view to getting it removed? Thanks! D

Hi. Just wondering if anyone has any idea who the above company are. They have spoke to my Husband last week and he wasnt sure who they were so they said they would send him some paperwork through the post. It has come today and it is a PPI refund application form. It says we could be owed thousands from a company called Endevour finance (how do they find out this information). I am not even sure we had a loan with Endevour, let a lone PPI. How do I find out what it is without signing this form and being ripped off?

Seems a while since I heard anything from a DCA but a recent house move has set them off again. Two weeks ago I received a letter 'We are attempting to contact the above named in relation to a personal matter' from Ruthbridge. I ignored it as advised the last time a DCA contacted me. Today I have received another latter from the same company (appologies for using upper-case as they did): "YOU HAVE BEEN IDENTIFIED AS OUR CUSTOMER AT THE ADDRESS STATED ABOVE. PLEASE CONTACT US IMMEDIATELY." It gave me 5 days to respond (letter dated 5 days ago) or an agent may telephone me. I am not their customer and I know Ruthbridge are a DCA I have just checked my credit record there is nothing on there with the exception of a loan which is current with no arrears. Last time I heard from a DCA about an old debt was over two years ago, Is there a way stop them calling before they actually do or should I await for them to call then write to them.

After obtaining probate to deal with my late mother’s estate I was contacted by the DWP in one of their standard fishing exercises re: benefit overpayments. This initial letter included the line “We will let you know whether or not we need to make further enquiries within 20 working days”. If only. Despite returning the form the next day I was chased for a response a month later. 2 days after that they confirmed receipt of my original response! Based on this my expectations of response time from DWP are poor. That was 2 months ago and I have heard nothing further. I have no desire to wake these sleeping dogs but as executor I would like to finalise and distribute the estate and would like to know if there is any legal limit to how long I can be forced to wait. I know that a Trustee Act notice in the London Gazette provides a time limit for creditors to come forward but in this case a letter notifying a potential debt has already been received prior to publication of a Notice. If this case got lost in the cracks would I be expected to hold the funds permanently in limbo awaiting a response or is there a limit? I haven’t been able to Google an answer so I thought I’d ask the experts! DR

Morning everyone, I have just re-surfaced back on my credit record after a good few years staying off the radar, I've had 4 letters from the leeds losers Lowells after different accounts that are statute barred....any suggestions

A woman goes into Discount Fishing Supplies to buy a rod and reel for her grandson's birthday.. She doesn't know which one to get, so she just picks one and goes over to the counter. The salesman is standing there, wearing dark shades. She says, "Excuse me. Can you tell me anything about this rod and reel?" He says, "Madam, I'm completely blind; but if you'll drop it on the counter, I can tell you everything you need to know about it from the sound it makes." She doesn't believe him but drops it on the counter anyway. He says, "That's a six-foot Shakespeare graphite rod with a Zebco 404 reel and 10-lb...Test line. It's a good all around combination, and it's actually on sale this week for $44." She says, "That's amazing that you can tell all that, just by the sound of it dropping on the counter. I'll take it!" As she opens her purse, her credit card drops on the floor. "Oh, that sounds like a Visa card," he says. As the lady bends down to pick up the card, she accidentally farts.. At first she's really embarrassed, but then realises there is no way the blind salesman would tell exactly who had farted. The man rings up the sale and says, "That'll be $58.50 please." The woman is totally confused by this and asks, "Didn't you tell me it was on sale for $44. How did you get $58.50?" "The Duck Caller is $11, and the Fish Bait is $3.50:razz:

Hi, My wife has recently had 2 letters from Lowell Group claiming to be chasing a £321.67 debt for 3 Mobile. It doesn't state when this debt was supposedly from. We had one today from Hampton's :egal, which I was expecting having read through some of the forums on here. I think from memory we had some letters from Lowell on this last year, claiming the same thing which we promptly ignored, but we never got this Hamptons Legal letter. Now, these letters are being sent in my wife's maiden name ( we have been married 3 years this September). And the other main issue here is, she has NEVER had a contract with 3 mobile! Before I met her, she was on Orange mobile and then we both switched to Giff Gaff at the same time. I have no intention of contacting these losers, but my main concern is where have they got this debt from? Is it possible they could just phantom up a figure from a creditor, and try and lay it on thick to see if we would just give them our money? Thanks for any help in advance! Paul