Hi There, Bit of a shock - the other day I received a letter from Northampton from a solicitor representing Arrow on behalf of a debt to Tessera? just over £1000. Without a shadow of a doubt this debt is statute barred - I cannot even I identify who the original creditor is (although looking at the account number quoted it appears to be a card number - But I do not know who from) Obviously my intention is to initially reply stating I intend to defend and then submit a defence. I have read multiple cases on here now but would love to have a few pointers and a bit of support on this one. There is nothing on my credit record so I genuinely do not know who this is for. Should I contact the Solicitors with prove it/give me paperwork to show letter? Or do I communicate with the courts only? I am more than happy to do battle on this _ I just want to do it right. Many thanks in advance - if you need me to provide further information - let me know. Thanks

Hi guys for once its not me their after lol my partner just had a phone cal from Rockwell/tessera and she confirmed her name and address. They stated that the address was different they had for her, so now they have updated it i got my partner to give me the phone right away and i spoke to them. turns out she owes little woods £1288.50 from 27th April 2007. i then questioned him over it as obviously i know its been 6 years. Turns out its not Stat barred yet because she made a payment on 7th Nov 2007 i spoke a while and asked how he got my partners details. he first said from little woods, so i then questioned the legality of that as she had not given permission for her details to be given. He then said arrow global bought the debt. then sort of back tracked. He did mention its close to being Stat barred. i explained that from knowledge of this website that non of the aboves are bailiffs and have any rights so if we did agree any form of payment plan they would have to accept what im offering, especially as i have one child and a child on the way. and they come first, and that my partner earns hardly any money and in fact it would be myself making payments. However i would be seeking advice on these forums first, and welcomed him to view my post when it was here. he stated that arrow could instruct bailiffs to attend, which i then told him i would be happy for them to as nothing in this house is actually my partners everything is my own and if she had bought anything for the house it has been with my wages so therefore belongs to me. he also stated that a CCJ may be applied to my partners credit file. I then questioned why now and not sooner, and he basically said its because its close to being barred. He did advise a default was placed on her CRA 29 May 2008 from little woods I did ask after seeking advice here due to how close it is to being statue barred, would there be any reduction to the debt as some money will be better than none, best he said was they would knock 25% off if paid in full now. so i said no thanks. so what you suggest guys, make a small monthly token payment to the debt or just let it unwind until november then it will become barred. i also told them to get in touch by writing or by email and not phone cheers guys.

I subscribe to Credit Expert and I noticed that these cretins performed an 'unrecorded enquiry' of my file 3 times on the same day. They wrote to me about an account from donkeys years ago, I sent the 'prove it' letter, they wrote back to say that they were 'closing there files' (oh dear what a shame never mind). Does anyone know what they actually see on screen when they perform these searches? Thanks Lapchien