Thanks I will be reading all night, very interesting...

Do you mean a lawyer?

Thats exactly what I thought!!! I will try again now. based on you moving to legal thread I take it it is serious? This gets more funnier by the minute [being sarcastic] I have tried various credit reference agencies, and all said problem with verification and my card, transaction not completed... I phoned the bank just now to be told 3 of the CRA have requested money and because there is only £4 available - transaction has failed and now I get charged... also equifax says no where that they are taking £2 it says its free until the end of 30 days!!!! very confused, and seem to be making the situation worse by trying to fix!!!!!!!! I signed up for 30 days free trial from credit expert, experian, equifax.

I think its a threat of being served one.

Here is the letter posted by hand today. lowell.pdf

Thanks

The same letter I posted about says I have been directed to serve you with a statutory demand... letter head reads lawrence house, riverside drive, cleckheaton,west yorkshire I am scanning and editing the letter to post shortly. I have just been told by wife the CRA did not accept card because there is no money on it, I will have to wait till the end of the month! The representative is coming back Thursday 24th, is there another way of getting my file?

I am getting nervous now! just read on other posts I have received a statutory demand which is legal, it does not need to come from the court, did I read correct?

Yep its a visa electron.

I tried that due to your threads.. However the agencies wont take debit cards, I will have to wait for my wife, and I don't want to frighten her even more.

Early 2006 for sure! Credit cards last used 2005 august - I have not spoken to any creditors since then - not verbal , written or otherwise.

Thanks I did wonder where to post but the welcome video suggested to post there. Thanks again

Hi all first may I commend you all on this site. I have found it so informative. I will try and keep my post brief... Since 2006 I went off the rails! split up with my wife etc... etc... Since 2006 I have ignored all debts, credit cards etc, I am not proud of this however alcohol and drugs and n.f.a. do tend to have consequences. Not to ponder on the negative, I have just got back with my wife who has been living at the address with my child. I own. My wife has thrown all my debt letters away and payed her own debts and the mortgage. My question is this, am I still liable to pay these debts? can they make me bankrupt and take my house? there is no info on the letter about the debt, but the biggest credit card debt I had at the time was around £3500 approx. I am currently not working [have not worked for 6 years],have never claimed benefits, but as explained I do own my wife and child's home. would the debts be Statute barred? any debts are unsecured credit, After just lifting my head above the parapet, this morning I bumped into a field agent of Lewis group on my doorstep, who asked if I was this person, I said no, he looked confused [he looked like Phil from eastenders] I proceeded on my way, when I returned there was a Private and confidential envelope marked urgent to my name.reads as follows. Lewis investigation services re: Lowell portfolio 1 ltd I have been directed to serve you with a statutory demand issued under the insolvency act 1986 I have attended your address without meeting you...I will return on blah blah blah. I have not written all of the letter because I have read it many times on this forum this morning! letter ends A C metcalfe Process server Should I panic? I know not to call the gentleman's number, due to what I have learnt this morning on this site. What should I do? My wife is now panicking severely and the last thing we need is this, as we only got back together before xmas!!! Please help. Thanks in advance.