ok it's been really bugging me so rang capital one today they have told me the last payment on record to them was made on 23.5.06 so I checked the amount owing they passed on to Lowell and it is exactly the same as Lowell are asking for still so surely that shows it is deffo statute barred so I shall send the letter off now instead of burying my head in the sand.

having lived with someone with epilepsy it can vary greatly the recovery time etc my partner felt lethargic for a few days after fitting and obviously injured himself at times too through falling on objects. I think you are being admiral in wanting to use your holidays when you should get paid sick I'm sure your gp would give you a note. I wish you luck in getting stable as I understand how worrying epilepsy is with the unpredictable timings of your fits.

hi whilst you are fighting for your cash back from Dell as you paid by credit card I'm sure you have cover with them for them to credit your account give the bank a call

hi I thought it was statute barred but cap one are saying I made a payment in may 2007 it no longer appears on my credit file and I can't ever remember getting a noa and I have got several letters from all different dca s regarding this account. Are you saying then if I send a sar then that will stop any further action and hopefully it will soon be may and according to cap ones records this will be statute barred. I'm afraid I've buried my head a bit just gone through a repossession too do got a lot on thanks for your advice I do appreciate it.

anyone advise please

Lowell are now ringing me constantly what can I do about this please

one more thing they advertise credit expert on their letter which is the cra I currently use how ironic

I received a letter from Lowell dated the same as the cap one letter which states the following once you have paid the debt off, or once you start to make monthly payments we will update the cra that will amend your credit file. keeping your credit file up to date can help your credit rating and allow you access to cheaper forms of credit !!!!! they are promoting credit like I ever want any again thought I'd read somewhere that they cannot make statements like this. thanks

not sure what to do then don't want Lowell to somehow get this on my file who do I speak to, to stop this happening. thanks

hi thanks for replying this account dropped off my credit account ages ago so surely Lowell can't now go on the account can they ???? what should my next course of action be re: Lowell do I have to send statute barred letter now or wait till may I'm worried they will start court action. thanks again

hi again I have today received a letter from capital one stating that they sold my account to Lowell on 14.3.08 and that Lowell will be reporting on my credit file within 30 days of receiving this letter. now this debt I've found out becomes statute barred in may this year so have been just holding on. The sar showed me this. can Lowell now go on my cra especially as capital one already had a default entry on my account until the 6 years had expired if they can it means that this account would of taken up 12 years altogether and I'm just about to lose my last default aaarrgghhhh thanks for your advice

I have been in a similar position to you except I wanted my ex husband off the deeds and fortunately he agreed. However my mortgage company refused and I had to get a new mortgage completely costing me a lot of money. I also had to pay £200 for an insurance policy protecting my ex in case I went bankrupt within 5 years. I know this perhaps isn't that useful for your immediate problem just wanted to say it's not as easy as it seems. also please make sure you get that insurance to protect you from being chased for any more cash. I hope you get sorted soon.

Hi Bandit127 thanks as it stands at the min the house sale will leave me with a shortfall of £20, 000 plus solicitor and estate agents fees

Thanks for your reply Bandit so although I will still be paying the shortfall off it will no longer be on my file from early next year. I hope it might be even sooner as I have worked out that I had missed 7 payments before capstone placed it as a defaulted account.

Thanks citizenB that's reassuring will there be a separate entry for the repossession though Thankyou

Thanks Crapstone I have no intention of ever wanting another mortgage so not worried about that thankfully just want to try and get a better looking credit file

Hi just wondered if anyone knew the answers to the above questions Thankyou

Hi thanks for replies I will put the £100 away each month. I have numerous charges every month I get charges if £100 for arrears over the course of the account there are charges amounting to nearly £5000 so I will challenge them when the final accounts come through. My partner has no financial connection we have nothing together to link us. One other question how will the repossession be reflected in my credit file I thought I had read somewhere that CML had stopped recording repossession s on cras my mortgage default date means this debt will fall off next Feb if it's passed on to a dca they cannot make a new entry with a new default date can they? Thanks everyone

thanks so much for replying its relief in one way but I'm worried about the future I don't want my partner to end up penalised if I thought I could pay £100 a month for ever I would settle for that. I am just so concerned about them making me bankrupt which I'm sure I've read somewhere as long as I'm able to pay the shortfall off even over a long period of time this won't happen. Do you know anything about bankruptcy ?

thanks Bandit I'm looking at a shortfall if at least £20, 000 plus charges obviously I was hoping it would be nearer £10, 000 I guess it could run into £30, 000 I'm completely in shock at mo really just want to offer £100 a month and hope they accept that otherwise I really could thinking of bankruptcy which I really did not want :(

can anyone advise please

hi I could really for with some advice my property was repossessed on 7.12.12 it's gone on the market today at £10.000 LESS THAN NEXT DOOR EVEN THOUGH MINE IS EXTENDED AND IS IN THE SAME DECORATIVE ORDER AND A MUCH BETTER KITCHEN also with the same estate agent !!!!! what should I do I know the mortgage company has to get the best figure for it but they are not even trying. I am gutted thanks all

noooo I have another account with a b.s. that I've had for about 12 years with no problems at all

I could ask my bank for the statements around that time ad I still have the same bank account. It all sounds very complicated so basically they should of left tt as 2 seperate debts.

Thankyou they have said I last made a payment of £20 IN JUNE 2007 which although I can't remember it is probable. I think I will just sit it out a bit at least they have confirmed they have no agreement if they sent me a stat demand after the statute barred date would a judge have to abide by that rule or can he over ride it. This is a lot over £750 it's for a hsbc cc and bank account od that they combined as one once I had defaulted.