Thanks BB Jeez I started this thread in 2011! Hecky Flump! All the posts last year on my own epic thread took it out of me. I am going to be revisiting that thread too again soon....those complete and utter ........ Thanks again. BM on behalf of my better half (actually she is more than half of me...My better 7/8ths).

Thanks All! That is that one put to bed. Many thanks BM

Got there in the end.....phew! We had a look through the correspondence last night and we have a letter from AA stating the last payment to the account was made in September 2008. Wife has never acknowledged debt to them, has only ever written to them making CCA requests. They have credited one of her £1 statutory CCA payments to the account following a CCA request she made in November 2009. BM

Drum roll! Is this better?

Hello again BB! Now that was quick! Yes its the same people as at the start of thread. I will copy latest threatogram and post it up two ticks.. Thanks Big Merv

Hello again all, Sorry to drag up a very old thread but thought I would keep things here rather than start another one. Recently my wife has received more letters following a long break regarding these original debts. A bank loan and two credit cards. They are all offering various discounts of between 50 and 80%. My wife and I are nearly 100% sure that the last time any payment towards any of these things was made way back in 2008 perhaps earlier. We decided to check her credit reports on Experian and Equifax to see when the last payments towards these debts were made. Non of the credit cards or bank loan appear on her credit file - in fact she now has a very good credit score (we won't ever be borrowing money again mind). As I stated above we are convinced these debts would be statute barred and they don't appear on her credit files anywhere. Would we be safe to assume that is because they are older than 6 years and hence SB? Many thanks Big Merv

Replied to PM. But no it was not Searl. Lloyd Jones.

Thanks DD. I will ring the court tomorrow to let them know that it has been paid etc. DJ

Happy New Year to all, I received an N24 notice with details of the judgement on. I received this new years eve and it is to be paid by today - where do I pay it - the court or do I have to ring Lowell? DJ

Thanks Db. As I mentioned I have never been able to obtain a coms log as Cap1 never reply to my SAR requests. They have never completed one. I did a CRA xcheck this morning and it shows they defaulted the account 14 days before I received the letter - which as you state probably means they will argue it as a termination notice. I think in truth on full reflection, and as I mentioned in an earlier post, I didn't help myself in this process due to a lack of organisation. I let things drift ignored many threatograms etc etc. I think I read in another thread somewhere that Dryden do tend to follow this things through and will take you to court, yeah I can vouch for that. I should have been more proactive. Lesson learned. Won't happen again!! A very Merry Chrstmas to all. Time to enjoy the more important things in life! DJ

Of course this does not change thr fact that the judge refered to it as a dn. A satisfactory one at that. They had nothing. Just the letter I supplied.

Yes CB I think I will. Do you have a link to template library document? DJ

Thanks all, I have tried repeatedly to get the full picture from capital one. I did a subject access request in May they have sent me nothing. If I had a coms log as dx does I could possibly prove categorically that the dn letter they sent was what they refer too as a dn. They simply will not furnish me with the info. Without that and given the timescales to make an appeal to the appeal court to ask for permission to make an appeal I think we are dead in the water. DJ

Ok I think I did drop a clanger here. I did in fact issues a CCA request for a 'true copy' of my agreement to lowell on the 15th may this year when dryden enter the thing on the MCOS site. I have just found it and didn't include it in my bundle - what a dope!