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First time posting. I want to thank this site and everyone on it! Beginning of August I received a notice from CCBC that Lowells (via BWLegal) were beginning court proceedings against me for ~£6500 (HFC Bank loan from mid 2007, defaulted 2008). Lowell bought the debt in 2012 and re-defaulted it! I had spoken to them shortly after explaining that I had tried to renegotiate my monthly repayments with HFC but they outright refused and ignored all letters I sent their way - loan was then defaulted June 2008. Lowells apparently ignored all this and just sent bailiff threats and endless phonecalls demanding payment in full. I ignored them. So this notice of court proceedings... obviously by August 2015 the debt was statute barred for over a year. I browsed these forums and found everything I needed to issue a full defence through mcol (deny claim/claim is statute barred). Sent my request to BWLegal for them to send copies of my of my credit agreement (never received). SAR sent to HFC for all account details (received 51 days later :/). Low and behold, Lowells had no legs to stand on and today I received a Notice of Discontinuance from BW . All I need to do now is see if I can get the default removed from my credit file! So again, big thanks to this site. Don't let them get you down! -Craig