Yea it feels good to finally be on top of my finances, I also made a last payment to a £3,500 (PPI reclaimed) debt this month so I am really in good situation only a relatively small card debt & a catalog debt to clear and the mistakes I made in my youth with be cleared.

Hi Dodgeball, thanks for your opinion I think you might be right just move on from it not like they can pursue further with legal action. I don't hear from them anymore via telephone only by letter "when they do choose to contact me" so really it's not a big deal. Case closed I say:whoo:

Hi everyone. I am just looking for another bit of advise regarding this SD debt. Do you guys think I should contact them in writing to ensure that they understand not to peruse me in future for this alleged debt? I would be much happier in the knowledge that they agree that the debt is SD and I no longer have any dealing with this company.

Just an update on the alledged debt 1st credit have purchased. Well since my last post I have not heard anything else from them since my last mail to them back in August disputing alledged payments made on the 10/11/2013. Well today is 5 years from the alledged payment so the can finally confirm today the debt is SB. I would like to take a moment to thank everyone that offered advise it truly helped and I appreciate every response.

Hi, is using this tactic against the rules? If so I will definitely report. Regarding the account I can confirm the debt is still with vanquis they are collecting on behalf. I sent a mail yesterday explaining that I will not fill out the income/expenditure & will only deal with vanquis regarding this account.

Hi, I think DonkeyD has hit the nail on the head it's "Mackenzie Hall Limited" making the calls, I have no reason to negotiate with them as the dispute is with the card holder. I will happily negotiate with vanguis as soon as they resolve my missed payment dispute.

Hi everyone, I'm just wondering how it is that I have been contacted by a debt collector that called me from aa number that shares my area code? It's a real pain as I really don't want to talk to them but when I seen local area code assumed was one of my family or friends. I didn't go through the security questions so didn't have to talk to them but just annoyed they can do these sneaky tactics. Is this method all above board or should I complain?

Hi everyone, I was wondering if anyone had any further suggestions on how to get this company off my back. They are still chasing me even though I have informed that the debt is statute barred "in my & some peoples opinion" I ask as I received a mail advising if they don't receive payment proposal they will take appropriate action. To be honest if they take me to court I would happily take them on as I have nothing to lose, no assets very low salary. I would just be interested in hearing any opinions on how or if I should respond or just wait it out see what happens. Many thanks

Thanks again Bridadier2jcs, I will contact them again & see what the response is, I expect the same nonsense. As Dodgeball mentioned I would like to have seen an example of this being the case before, especially in court as I suspect thats were I will have to fight this... I will keep everyone posted on the response.

Hi again, I have received a response from 1stcredit, below the letter. Thank your for the response dated 15 July 2013 As we have previously advised you we do not consider this account is statue barred and enclose copy of statement for this account to demonstrate this, in addition, I have highlighted your last payment which was received by our client on 10th November 2008. I suggest you take free independant legal advise. Ok so what do you think my next step should be? Any advise would be appreciated x

Wow this is great, thanks very much for taking to time to do this for me. I will send this off tomorrow & respond once I have a reply. Again thanks very much:-D

Thank would be great if you could draft a letter for me below details on the last payments made on account. Payment of £40.00 paid on the 07/08/2007 by myself using mother bank card Payment of £953.08 13/08/2008 JNL Transfer (result of PPI claim 03/06/2008) Payment of 1,832.72 13/08/2008 Cancelled insurance Payment of £394.67 10/11/2008 Good will gesture Hope this is enough info x

Ok finally received a response from 1stcrud, regarding the statute barred debt. Quote. I understand you consider the above account to be statute barred under the prescription and limitation (Scotland) Act 1973. An action founded simple contract shall not be bought after the expiration of five years from the date on which the cause of action accrued. The 'cause of action' that resulted in future payments becoming due and payable on the above mentioned account was the issue of default notice which gave notice for the arrears to be made prior to a specified date. As payment was not received a default was registered on your credit file 31st May 2005, therefore the six years commences from the date the registered. However, as payments were subsequently received this extends the period by a further five years. Please find enclosed for your case of reference, a payment for the period of 21st june 2005 to 10th November 2008 Therefore we do not consider account statute barred...blah blah End quote just to reconfirm last payment I made was 07/08/2007 £40.00 all others are returned ppi as requested on 03/06/2008. Appreciate any help on how to respond? x

Hi dx, I just checked what I was paid back on my statements & looks like I was paid back 953.03 on a JNL transfer (what ever that is?) 953.08 cancelled insurance was 1,832.72 & good will gesture of £394.67. Unfortunately I didn't see a penny of it all went against the money owed:-( Regarding the SD dispute with 1stcrud everything has went quite since mailing them with informing them that the debt is no longer active. Kind of looking forward to there response.

Sorry dx100uk, just realised what you sent.. Thanks I will wait until 1stcrud come back then hit them with the info you provided... Cheers mt x