Thanks everyone. and dx for pulling those old threads in to this one. I just found the old default figure from Abbey back in 24 Feb 2007 which is stated as £15,454.00 and in March 2013 they are chasing for £15,454.45 showing clearly no payments have been made to the account in 6 years. I'll send off the Scotland Statute Barred letter along with the suggested cover letter from Brigadier and send it all Recorded Delivery. Don't want to pursue PPI until I have some confirmation the debt is definitely Statute Barred and Extinguished just in case it resets the clock, maybe that's just me being nervous though. Thanks again

Hi I wonder if anyone can help me with some answers? I just received a Formal Demand letter from BCW for an *alleged* Abbey National loan which I believe is statute barred. Until end of April the debt has been with Link Financial whom purchased the debt back in Feb 2007. No payment or acknowledgement of the debt has been made to Link financial in that time. At one point in 2010 a CCA request was filed which they did provide however I ignored it and they did not follow it up. The requests for CCA's where not singed only printed and I don't believe they could be used as acknowledgement of the debt. The debt fell off my credit report at the end of February 2013 and 1 week prior to that I had a letter from Link stating the files would be passed on to BCW if I didn't contact them in 7 days. Obviously they did pass it on to BCW as within the first week of March 2013 I received a text message and the following letter from BCW. My questions are, could the production of the CCA by Link be used to reset the clock in 2010 even though I didn't respond to it? Do I just ignore this letter from BCW and wait for further communication from them as I believe this is just an initial letter or do I write back with the Statute Barred letter now? Worth noting are, The debt has dropped of my credit file. I lived in England when the debt was taken out but have lived in Scotland for nearly 6 years now. No payment has been made by me towards the debt since Link has had the debt. No letters of communication with Link have been signed. The only monies sent to Link were a postal order for £1 CCA request fee. From everything I've read here I believe the debt should be Statute Barred but just wanted to check with the experienced minds that frequent this forum. Letter from BCW ------------------ Dr Mr ....... We have been instructed by Link Finacial Limited re: Abbey National plc to recover an overdue debt, in the sum of £15, 454.45 on their behalf. Our clients have informed us that they are unaware of any legitimate reason for non-payment of their account and although they would prefer an amicable settlement, will not hesitate to commence Legal Proceedings if necessary. Please call our 24 hour payment line immediately ......... Should there be any matter that you would like to bring to our attention or if you wish to discuss your financial circumstances in relation to the debt, please call us immediately. ------------------------------------- I think the wording of this letter suggests they know it is Statute Barred and that also if Link "will not hesitate to commence Legal Proceedings..." then why haven't they done so in the preceding 6 years? Thoughts ideas and suggestions gratefully appreciated.

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Hi I sent a CCA request to Link finance who have purchased an Abbey loan in my name. After 5 months they sent through a bad copy of what appears to be the CCA. It is attached. It includes PPI which was mis-sold as it was pushed with the loan. Can anyone tell me if this CCA is enforcable and also how I go about disputing and removing the PPI from the loan as it is obviously no longer with the original creditor. Any help would be greatly appreciated. Abbey CCA LinkFinancial.pdf

Hi Was definitely signed on the 25th, but seems from Pedross that is OK. PPI was as usual pushed as part of the loan and at the time it felt to difficult to say "no I don't want it". I am Self-Employed and feel that PPI's always have a get out clause but they are usually insisted on by the lender. I will have a look around the forum and to see how I deal with the PPI issue as this loan has already been sold to a collections agency. Thanks again for all your advice.

Thanks for your replies. Presume the dates are down to Abbey signing before forwarding to me for a signature. I don't know if that is the correct / normal way of doing it? So presume I need to write them a letter making an offer of monthly payments or something along those lines now?? Does it make any difference that they didn't come up with CCA for 5 months? Thanks again for all your help.

Hi I recently requested a CCA from Link Finance regarding an Abbey Loan. The request was initially made on 10th February 2009 and follow up letter was sent on 16th March 2009. I received a letter back from Link Finance saying the account had been put on hold for the time being. Last week I started receiving calls again from Link Finance, I didn't answer, they requested I call them, which I didn't. This week I received a copy of what appears to be the CCA, it is an extremely bad copy of what looks like itself to be a copy. I was wondering if anyone has any advice on what to do next? I have attached a copy of the CCA returned, can someone tell me if it is enforcable, especially considering the time it has taken to produce it and the legibility of the document. Any advice would be greatfully appreciated.

Thanks for your replies. I was thinking the same about them all not keeping in step, espeically as Abbey appear from what everyone here has said use lots of delaying tactics. What do people think about using the Alternative Approach for Abbey [http://www.consumeractiongroup.co.uk/forum/abbey-bank/18505-abbey-draft-alternative-approach.html] Is this still necessary now that the microfich argument has been ruled on? Or are abbey still delaying, I read in one thread that they are only sending out the last 18mnths of statements because of a huge back log of requests. I have the last 18mnth of statements (totalling £770 of charges) already so that wouldn't be really helpful for me, it's the older statements or list of charges I want from them. Anyones thoughts on this would really be appreciated. I think I will request all my statements of charges under the DPA from all those concered as that will enable me to make a more educated decision about who has taken the most from me. I can then decide who and when to start claiming for a refund. Thanks again for your advice it is very much appreciated. UrbanTiger

Hi All, this is my first post although I've been reading loads of the threads and advice. I am just starting out with my first refund request of several. I have just sent a letter to Abbey requesting all the details of default charges on my account over the last 6 years, I have statements for only the last year, which I am about to total up with interest but looks like a good £300. I will be doing the same for Capital One, Egg and Barclaycard in the next short while. Do you suggest only doing one at a time or should I start off doing all of them at once. I was also thinking of doing the Alternative method with Abbey of only waiting 15 days before putting in my Prelim letter, any advice on whether I should or not? Oh and really nice to be here!