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ancient p/loan with lloyds adv pse


symi
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l have a p/loan with lloyds [before tsb !] must be approx 16 or 17yrs old :D:D

 

roughly 3k :eek:

 

this was passed on to a dca AIC , god knows when ,never had a NOA then had a letter fron them offering me a settlement offer in early 08 ,then again in aug 08, on each occasion l could not do that + adv them so , still been paying them a small amount via cccs since feb 2007

 

l cca,d lloyds and A I C +sent £1 p/o on 2/4/09 on 7/4 had a reply from lloyds saying they could not credit that account ??? with the £1 as they did not handle it :rolleyes:

 

 

still nothing back from AIC sent dispute letter on/5/5/09

still nothing ....:-?

 

whats the next step pse ??

Edited by symi
sent p/o not POO!!
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As debt is over six years old it is statute barred and therefore unenforceable; therefore no need to worry, tell them to get lost, i mean politely inform that it is no longer enforceable as debt or any acknowledgement of the debt is over six years etc.

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As debt is over six years old it is statute barred and therefore unenforceable; therefore no need to worry, tell them to get lost, i mean politely inform that it is no longer enforceable as debt or any acknowledgement of the debt is over six years etc.

 

l wondered about the 6 yrs thingy , l thought it was only if you had no contact in the last 6 yrs it was stat b ...... so thats great news :grin:

lve already had kays catalogue confirm by letter that the are not persuing a debt for £198 after a cca req , l know its still u/s on my credit file but thats shot to pieces anyway so no sweat there:-D

will get letter off tomorrow

 

just read the stat b pop up on our posts ... it does say that 6 yrs from acknowledgement of debt so that ssems to not apply to me ????

x

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