Hi guys Been searching online for this exact problem! vjohn82 Im hoping you can help I had a loan, credit card etc with Lloyds back in 2002/3 and defaulted, the debt was sold to Aktiv Kapital and seeing as there is no imformation regarding this on my credit file and no payment made over 6 years, I naturally assume the debt is statute barred. One would think I should be happy that I didnt have to fully pay all the loan back but they have caused me so much grief and I paid what i borrowed, it was the interest and other charges that made me struggle. My friend contacted her bank and within 10 days she had her ppi claim in her bank, Im tempted to do the same but am worried what will happen with my old debt? I dont want to stir up all the nasty threats an mail etc. I have no bank records or loan agreements, my plan was to phone the ppi team at lloyds directly and get them to pull up my information. Seeing as you have been through a similiar situation, I was hoping you could offer some advice and reasurrance (that goes to everyone who feels they can help) Thank you for your time and hope to hear from you soon. kind Regards Matt