It is showing default from this year, although haven't paid anything. Just going to fire off the statute barred letter and see what they say.

Thanks so much for your reply, I'll await the pin and check it out as soon as possible.

Just to add, I haven't made written contact but have talked to people on the phone

Hello, I was wondering if anyone can help me. About a week ago (i work away, have just picked up my post) I received an e-mail from Wilkin Chapman Solicitors (Arrow Team) offering me the chance to pay off my debts, or they'll advise their client to issue County Court proceedings. They've given me 21 days, although due to only just getting back, that's now 9 days. There are a few strange things about the letter, firstly it doesn't specify what the debt is (although I know where it's from, silly, drunken, student mistakes) and merely state the debt is from Arrow rather than the original loan company. Seems strange to me. Secondly, I'm almost 100% sure I haven't make any contact with anyone about this loan for around 6 years, so could potentially use a statute barred letter? Although I'm not 100% if it has been 6 years. Thanks in advance. Also, have registered for experian, am awaiting the arrival of the pin to check my credit record. If it turns out I have made a payment within the last 6 years and am not eligible for Statute barred, do I have many other options? Michael

Thanks alot for the advice! I need to ring back tomorrow or the scotsman says he will start the litigation process, will it be accepted if i tell him I'm currently receiving advice from CAB or something and I'll forward him my statement of income and expenditure?

Hello, i currently have debt to Egg Banking which has been passed onto CapQuest debt recovery. After being a student for 3 years and managing to make payments to Egg, I have struggled with part time work since leaving university and now my debt has been passed on. My total debt is £3860.44 but CapQuest are willing to settle for £2895.33, this is really out of my price range, my price range being very little indeed. After having several conversations with an angry Scotsman, he has made it clear that I've to pay £460 and then monthly instalments of £115 to stop thins going to court. I can't afford this, and don't want to borrow money from my family. How do i go about offering a nominal fee? I explained the situation but he was insistent that the smallest payment per month was £115. Now, I'm not trying to avoid my debt, I am just not in a position at the moment where I can pay it off. The last letter I received is the one threatening Legal action and CCJ's. I don't really know what all this is. Any help is much appreciated! I told the angry Scotsman i would have £115 for him tomorrow as I panicked, I am weak. I don't think I will have £115 tomorrow. Cheers Mick