Subsequent letter today-Global have referred my enquiry to their client and have suspended collection activity. I shall wait to see what their client comes up with. Thanks for your guidanced so far, I may be back!

Ok thanks

Thankyou both

Hi me again Received a letter from Gloal today dated 22/10/12 stating they now have authority from their client to commence litigation. As this has crossed with my letter (received by them on 23rd recorded delivery) stating that I dispute the debt and informing them I have sent SAR to OC can I just ignore this one and await the SAR?

Thanks for your responses. I've lived at my current address for 5 1/2 years now, own it, on the electorall etc. Considering the size of the loan as I believe it was I'm surprised they haven't traced me but I've recently had 2 small SB debts crop up so was wondering if this was next. Will I not have to prove to the CRA's that there is no link?

Hi I separated from my ex husband in 2005 and we subsequently divorced in 2007. No children involved and no mortgage but one of the many reasons I left him was I discovered he had run up a huge debt on a joint account with a well known bank which I knew nothing about. I've since moved on, remarried, mortgage etc but I recently discovered he is named on my Experian file as a financial link. How do I get this removed? I have had no contact with him since 2007 (I don't know his whereabouts) and I've never been approached by anyone regarding the joint bank loan. Given it's time (2003) it should be now statute barred (unless by some miracle he has been paying it) I guess my question is can I request the CRA's to remove him from my file and could this somehow result in said bank coming after me for full liability of the loan? Thanks

Thanks guys! Yes Bazooka he was definately reading off a script and kept getting very irate when I interrupted him with questions-I must have made him lose his place Given that the first 12 months payments were £260 p/m (hence why it got passed to IJ when I asked Barclays if they could lower the payment) I've paid more than £9600 hence why I was adamant not to take this one lying down! Got a funny feeling I had PPI on this - never thought about that - if anything comes back I might hit them with a claim for it!

Typo on my behalf-Inturim Justitia are now Experto Credite Ltd.

Hi thanks for your reply. Wasn't sure if SAR was to go to DCA or original creditor but shall send today.

Apologies-reposted to correct forum Hello everyone, Unfortunately I have just come off the phone to an idiot at Global after he has been calling my sister to get through to me and has now managed to get hold of my work mobile number. I'm after advice on the best way to proceed with this. I took a graduate loan out with in 1999 for £10k. Due to various issues this was passed to Inturium Justitia in 2002 and I set up a £100 p/m repayment with them. I paid this every month until October 2010 when I believed the debt was paid in full. I contacted Justitia to confirm but they couldnt find my account details so I cancelled my standing order with the bank and heard no more. Yes I should have pushed for further confirmation but this loan relates to a pretty bad time in my life and frankly I was just glad to stop paying it. Out of the blue in June this year I received a letter to my mums address asking me to contact Global about an 'urgent issue'. I ignored it. I then received one at the beginning of September saying I owed £2700 to Expedito Credito. I googled them and found that they had purchased Inturium Justitia. I sent a letter to Global stating I did not owe them money and any monies previously due had been paid in full. Their reply was an offer to settle the debt for £1900. I replied asking them to provide further information, which they haven't. Since then they have somehow got my sisters mobile number and have been harassing her. Today it appears they have my works mobile number. I answered the call today as I thought it was a client and was subjected to the aforementioned idiot. I should have hung up there and then when I realised but I actually do want to sort this out and he started yelling that I was refusing to pay (which I haven't) and dismissing that I've asked for more information and he basically wanted me to make a payement of £2700 today. He also claimed it has taken them since October last year to trace me despite the fact I've lived at my current address and all my financial information is linked here since 2007. Apparently this is at great expense to themselves. Aw shame. Anyway he threatened litigation and hung up on me. Therefore I basically wish to know how to handle this and what to do first. Can anyone guide me through please? Many Thanks