BTW - is there a decent base template for this, or am I flying solo when it comes to wording?

The DCA? CapQuest. I'll send a letter denying the payment and asking for proof of it!

I'm not arguing about him using the card (or over using as the case was!). My query is the following: Assuming this debt has been chased since 2005 by a DCA. I've not acknowledged or made a payment on this debt - making it statute barred. However, in 2007, it seems HE did make a payment on it (to the DCA). Where does that leave the debt in regards to it being statute barred?

Knowingly is a strong word, and being that the payment was made to a debt collector, no pin number exists or was needed, he simply would have had to have known my birthday, name and address (which he obviously does/did). Same position?

Checked with Experian, can't find a sausage about this debt. (But it's old [2005])

Long story made short: Years and years ago I lived with my best mate, and he asked to "borrow" my credit card to spend £100 on it. In my youthful naivety I allowed it, and he came back with £700 on it. We had a big argument over it, he agreed it was his debt and he would pay it off. Fast forward to 2012, I've never made a payment on this debt, letters start coming through - sent a statute barred letter, and it states a payment was made in 2007. Done a bit of research, seems my "pal" did try to pay it off (yet gave up before paying it all). Interesting one, no?

Interesting one: Very old debt has resurfaced lately, that was (in me eyes) the fault of an ex-housemate. It seems that 5 years ago, said ex-housemate made a payment on this debt (without my knowledge [until now]). Where (legally) does that leave me with regards to getting the debt statute barred? Cheers!

Cheers mate, good to know, let's hope eh, I got a wedding to pay for

There's an entire forum dedicated to templates, just make sure you understand the process before you begin. Read up a little.

OVER your overdraft limit. Overdrawn interest is as far sa I'm aware fully legal and you can't get it back unless you can prove that their charges SOLELY caused you to be overdrawn and thus incur interest.

I will PM you the number for the correct department

It will mate, and if it doesn't just PM me and I'll do what I can. Bazz

I'm here to help now so dont' worry, drop me a PM if it's personal or just message this thread. As for the person starting it's VERY important to know the process, there's an FAQ with steps and templates all on this site. Read them, digest them, use them. Don't go off half knowing what you're doing. It's a receipe for disaster and a few people lately have skim read the forums and gone off, only to find they filled in their moneyclaim form wrong. Good luck one and all

You can refer to me if you need help, but I don't know everything!!! As for the loan, my advice is claim for any charges ON the loan, and claim for any charges ON the account (within 4 years) and use the winnings to pay your loan off.

I filled in the Money Claim with the template given here, the important things to remember is to include WHY you think these charges are illegal (it's on the template) and of course how much you want! I got my money early, I didn't have to fill in the questionaire and it was 14 days before my court due date. Lucky me