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I had a credit card with Capital One,

got into difficulties, debt passed to Lowells,

I then got a Debt Management to look after this debt.


Debt management went bust.


Now I have Robinson Way after me on behalf on Lowells and Capital One.


Looked at what little paper work I had and it looked like it might have been six years since last payment,


so I wrote to Robinson Way saying statue barred.


this is the contents of their letter.


(We do not accept the statue barred on this account.

and if you were to demonstrate that this debt is time barred the debt still legally exists and will be reported as such

.we would consider a substantial reduction to settle this accounti

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hi 63


begging letter!!


you've caught them out!


they dont even know themselves!!


what does your cra file say.



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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This is the CSA's instruction to DCAs regarding stat barred debts..



Stat barred debt[1].pdf


Yes, it does still exist, but the courts will not allow them to enforce if it is statute barred and neither can they continue to report once the 6 years is reached.

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Does this show on your your credit ference files.


Send this to the Compliance Manager

at RW.


Ref: as on their letter.



Dear Sir or Madam,


I refer to your later dated xx xx xxxx regarding the status of the debt for £ xxxxx which you allege is owed by me, please note I donot acknowldge any debt to you or any company you may claim to represent.


As you are no doubt aware it for Robinson Way to demonstrate inwquivically that the allged debt is statute barred, and I retiterate that it is so barred.


I will not therefore make any payment or or offer of payment in regard to the alleged debt.


I am fully aware of the Limitations Act 1980 and the OFT Guidance on the pursuit of statute barred debt.


For clarification this letter is NOT in any way admission of any liability or acknowledgment of the alleged debt.


Send it recorded delivery after you check your CRA file come back here if there is a problem.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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