Hi Everyone I recently received a letter from a company called Advantis Credit Ltd claiming I owed a debt to Lowell who had purchased the debt from Redcats finance. I had no recollection of this debt however I know in my past I had ran up a large amount of debt with various companies. All my debts now however were statute barred as I know for sure there has been no CCJs, no contact and no payments in the last six years and my credit file is now clean and I am currently managing my debts well. Early in November I sent Advantis the statute barred letter confident that my debts were all statute barred. On November 22nd I received a letter from Advantis claiming that a payment of £15 had been made on the account on 30th October 2007. I know for a fact no such payment had been made by myself on that date or even in the last six years. On that same date I replied with a CCA request letter to them with the statutory fee and sent it by special delivery. The letter was received on the 23rd November 2012 the very next day and Advantis have responded to say they have received the letter and have passed it on to the original creditor. It is now the 10th January and I still have no response from the creditor in question. Please could someone advise me on what to do next as firstly they have not responded adequately in the statutory time period and they have made a false allegation that I made a payment of £15 to them in 2007. Help is much appreciated Pete

Hi, I recently sent the PPI Questionnaire to Recats about an Empire Stores account I held up to 2005/6. First of all they sent a reply stating that I had the wrong account number after which I sent them a copy of an old statement. Their following response was that since my account had been dormant they have no records and cannot varify my account. If I send them a SAR together with the £10 fee are they obliged to send me information about my account? Would this then give me the right to pursue my claim or should I just send this to the Ombudsman? I have sent other claims to the ombudsman and am still waiting. Thanks for your help. -JS-