Also

Just wanted to add I have no record of any previous disciplinary action.

Hi,

My girlfriend recently attempted to organise a business trip to India. She supplied a third party company to organise her visa, but unfortunately due to reasons unknown it was referred. This dragged on for a couple of weeks and now the trip has been cancelled. She needs her passport back, but the company is refusing to return it until all owed funds have been paid. Now I understand this company needs paying for their time and to be honest this is something they and her company need to thrash out, but my question is can they legally withhold her passport? Surely not, but I really want to find out her legal rights.

So the advice to ignore them was ill advised? I will send the statute barred letter today by special delivery and continue to update on the progress

I just wanted to give an update on this and request some further advice. I have continued to receive letters from Eversheds requesting payment and yesterday I received a final notice that stated they will now instigate legal proceedings and either a) seek a CCJ or b) send a debt collection agency. Now, further to the initial advice I never sent them the statute barred letter and just chose to ignore them and see what happened. I would just like final confirmation on the following points: 1) As this debt is statute barred, I assume that any efforts made by eversheds to seek a CCJ will prove worthless. My credit score can no longer be affected by this company and I have nothing to worry about. 2) MOST IMPORTANT, can Eversheds still send a collection agency to my house? If it will help, I already have the statute barred letter typed and ready to go, so would it now be a good idea to send it? I do NOT want a DCA turning up at my house if I can avoid it. Thanks in advance for any help.

Hi, I stupidly allowed my Direct Line Home Insurance policy to auto-renew recently and today I cancelled it, as I have saved over £200 annually by moving to an alternative provider (Swinton). I have cancelled the direct debit and I called to let them know, at which time they advised me I must pay 1 months premium to get out of the contract. This is because I am 2 days (yes 2 days) outside the 21 day cooling off period so must pay a fee. Bear in mind I have already payed the first 1 months premium on 02/03/09. Now I know this isn't exactly a great deal of money and if necessary I will pay, however out of principle I would prefer not to if possible. My question is if a) I received a new credit agreement but never signed it and b) my equifax/ experian credit files show now record of ever having an official agreement in place, can they actually do anything official to make me pay? Thanks in advance for any assistance

Sorry just one other thing, if I do send the letter do I need to print my name in pen or just write it electronically? Thanks:)

Hello, Firstly, FANTASTIC forum! I have been reading up thoroughly with regards to sorting out this particular debt problem and believe I have now planned my way forward. Basically, this company have been chasing me for ages. They used to write to my parents address until my mother decided to write them a very strong letter advising them I do not live there. The letters then stopped. A couple of days ago I receive a letter from them to my new address, with the same waffle as always about what horrific things will happen if I don't settle within 7 days. I know 100% that NO payment/ correspondence from me/ etc has happened on this debt (apart from the letter from my parents stating I don't live there) for at least 7 years, so I am positive this is Statute Barred. I have subsequently prepared the standard letter which I planned to send today, however I would really like a couple of points clarified beforehand: 1) Do I even need to send the Statute Barred Letter? Is this necessary to enforce the legislation? If by law they cannot do anything maybe just ignoring them is a possibility? 2) This debt has long since disappeared from my credit record. Can they suddenly hit me with a default that would bring this back up? 3) My understanding is that they cannot take me to court. If I hold out on them, can they continue to hammer my credit file if point 2 is valid? Many thanks in advance for your assistance!