My partner had a Tesco Credit Card that we stopped paying years ago, last payment seems to be August 2011. She gets letters every now and again from Robinson Way that I just ignore and they go away again for a few months received a Pre-action Protocol letter this morning from Howard Cohen & Co and wondering whether I need to do anything or still ignore. As the last payment was so long ago I was thinking the debt would be statute barred by now in 2014 Tesco wrote to her about a PPI refund which she took, hoping to get some money from them and against my advice, but it was just taken off the debt and I'm not sure how this affects the statute barred status? I'm a little bit out of the loop now with what the correct process is for this kind of thing, what letter to send when etc. so any advice would be gratefully appreciated.

Hi I would like some advice please. I have 2 credit card accounts with Capital One that I was defaulted on in 2007 despite paying regular, agreed, reduced monthly payments. The debts were then passed onto Robinson Way. I have requested CCA's from Robinson Way and all they have sent me is the application forms, so they just keep ringing and writing and I keep ignoring and not paying. Anyway am I now in a good position to offer a full and final settlement and if I do and they refuse will it mean that I have admitted the debts, etc? I want the defaults removed from my credit file too, is that possible or not? If it's worth a go then how do I go about it? Any help will be greatly appreciated!! Harlequin

Dear all, This forum has been very helpful to me in the past and I have returned again with another issue I am faced with now. I checked my Experian credit report today for the first time and found out that there was a CCJ against me May 2012 Santander Credit Card (Store Card) debt of £700. I contacted Northants Court and obtained the claim number and claimant details which was Howard Cohen Solicitors working for Lewis Group who are in turn working for Santander. I moved out of that address in 2011 and informed Santander too. I have a letter from Santander dated 27th Jan 2012 regarding this particular credit card to my new address to prove that I have made them aware of my address change. In June 2013, I was contacted about the same credit card by Arrows at my correct new address, I made them a full and final settlement offer, paid and they confirmed in writing that the account is closed and that was on 28th June 2013. Now I am really confused what to do next. NCCourt advised me to contact the Claimant which I did. The claimant, Howard Cohen, asked me to contact Lewis Group who they work for. After contacting Lewis Group and demanding why they had sent the claim to the wrong address that resulted in a judgement without my knowledge, they apologised and assured me that they will ask their solicitors (Howard Cohen) to write to court and 'Resolve' this matter. I asked if they require me to do anything, they said I just need to wait for two weeks and the judgement will be dropped. I also contacted the Fos as advised by a representative I spoke to at NCC. The ombudsman told me that they will send a letter to Howard Cohen demanding why they have filed a claim with the wrong address and ask for explanation. However, when I spoke to NDL Helpline afterwards, I was told that what Lewis Group is suggesting that they will 'Resolve' this matter and drop the judgement may not be as easy as it sounds. The County Court apparently does not allow a claimant to amend a judgement after it has been passed. Therefore, I call up NCC again and explained the whole situation and asked if Howard Cohen Solicitors can call them and have the judgement set aside. They asked me to call them in two weeks time to find out what the outcome is. I asked if I would need to fill out a N244 and pay £80 to request to have the judgement put aside as it was served to the wrong address but the person sounded confused. Now it looks like if Lewis Group Solicitor Howard Cohen do get in touch with the court and ask for the judgement to be dropped or something similar which I really dont know how they will, the outcome can either be that there is a miracle and I do not have a CCJ any more on my credit file. Or, when after Howard Cohen get in touch with the Court, the CCJ process will start all over again and then I will have to respond to this claim following normal procedures. If that happens, then should I just inform the court that I had settled the debt already in June 2013 through Arrow Global and Howard Cohen's claim of £700 is invalid? Then would the court agree that I do not need to pay the claimant as I have already paid Arrow Global.. or would I need to settle the same debt again with Howard Cohen too? I really appreciate your time if you have read my post so far. Any comments on my situation or any piece of advice would be very helpful. NDL adviser was very helpful and said my case is a rare one and asked me to seek legal advice. Do you recommend I get an appointment with Citizens Advice Bureau or just wait for two weeks to see if Lewis Group get their solicitors to 'resolve' this matter. I somehow can not gather enough faith on Lewis Group to actually 'Resolve' this matter as they told me on the phone today. Many thanks for reading and I hope my post and your replies help others who face similar situation like me.

Hi all, today I've recieved a Court claim (Northampton) from Howard Cohen on behalf of Santander. The amount they are claiming is £174.09, from an old dorothy perkins/ GE Capital storecard. I intend to try to counter claim but not sure exactly how to go about it Basically I SAR'd them in January this year and they sent a copy of the agreement and a few statements. From the statements they did send, I was able to work out that I have already paid around £2,000, including PPI which I tried to cancel twice. Three things were purchased on this card in total amounting to less than £100. Yet even after I cancelled the store card I was still paying PPI on a balance entirely made up from late charges and PPI! Is it worth counter claiming? Any help appreciated, Ally

I was in the County Court today for first hearing. The defendant is my wife who unfortunately is ill at the moment and was unable to attend. I attended on her behalf today and the District Judge gave directions. The Claimant is CL Finance who is being represented by Howard Cohen & Co Solicitors. CL finance are claiming £9284.38 in respect of a Debenhams Store Card Agreement (First Personal Bank Limited) dated 30 September 1995. On 28 July 1997 The First Personal Bank Limited changed their name to GE Capital Bank Limited. On 13 December 2006 by Deed of Assignment, GE Capital Bank assigned the account to CL Finance Limited. My wife received debt collection letters from various DCA's around the beginning of 2007. Foolishly she agreed to pay £1.00 per month and she did so from January 2007 to March 2011. In total she has paid £51.00 towards the account. In March 2011 I decided to review my households expenses which included this payment my wife was making. We asked CL Finance to provide a copy of the original credit agreement for the account in question. Upon receiving this it was evident that the handwriting and signature on the agreement was certainly not that of my wifes! Someone had taken out an account in my wifes name, defaulted on it and now my wife was paying for it! We called the Police to report this apparent identity fraud but my wife was told that she would not receive a crime reference number because it is the lender who is the victim of any crime and it is they that should report the incident to the police. So my wife stopped the payments from March last year and she was served a Default Notice in September 2011 and today was the first court hearing. We explained the facts to Howard Cohen who requested a copy of my wifes passport but she declined to provide this to them after finding out that they are known to manipulate documents. I took her passport in to the court today but the DJ said she should submit it with her defence. The DJ also advised Howard Cohen that they should intruct Handwriting Experts with regards to the signature. It is a clear forgery as far as we are concerned. Aalso the DJ moved this case from the small claims to the fast track. The case has been adjourned until July 20th but I need to submit a defence by next Tuesday. Any help would be most appreciated!