To be fair Dx the time has passed my questions today are regarding the statue of limitations. Not the same as before. Im just here for some advice. Why so hostile ? I'm just trying to beat these debts and sorry if it offends you.

Could I ask why its different for the mobile phone accounts or did I answer that above. Thanks Andy appreciate the help

So the default date on those 2 communications doesn't matter ? Is this based on the bar of the phone line after failed first payment. When does the 6 years start on the cat debt. No payment was ever made according to their paperwork. Last order was in may 2014. Thanks

Yes

Hi I have 3 debts in total. 2 mobile phone debts 1 catalogue debt I have Sar all three and CCA the catalogue debt. I have also sent prove it letters to the debt company. The mobile phone Sars did not have very much info. Both stated it was passed to collection agencies on the 07/2014. There was no payment list as it stated it was purged due to age of the account. However the debt company provided a print screen of last payments made in may/June 2014. No official default notice was served so no record. However the defaults were added much later one in December and August. No contact payment has been made since, only a prove it letter. The catalogue sar sent me lots of info but it didn't have any proof of default notice. I never received a default notice thats why. There was never a payment made on this as I was indispute with a non delivery of items at the time. However no evidence of this. Last order was placed may 2014. Last contact. Info in the Sar said when the debt was sold which was pennies. I requested CCA from debtor and catalogue company. Debtor sent me a reconstitution. However the Sar said there was no agreement on record but I recieved a letter stating they sent me a true agreement which was just my name and address and no signature because I never signed it. I have a letter reminding me I needed to sign it but never did. Another thing to add when I cca the debtor or the catalogue company none of them provided a copy of the default notice is this correct procedure? The debt company are getting close in my opinion to taking these to court. Due to payment history and acknowledgement the debts are 6 years passed from last few payment reminders. For some reason the defaults were set much much later on the mobile accounts one in December and October. The Sar on the telecommunications stated it was passed to the debt company on the 07/2014 which means the defauls were added after this. Any advice would be greatly appreciated. It would seem the debt company added or adjusted the default date. There is no paperwork for these as their not regulated by the CCA. Thanks

Hi Dx you did indeed advise me to avoid this method. However I've had success in the past and had defaults removed and debts written off without waiting for it to go legal. The DCA is indeed Lowells.

Hi I'm hoping I can get some sound advice regarding this before it gets legal. I recently received a letter from a DCA threatening court action over a telecomunications account I don't remember taking out. The debt they claim is 5 years old. Upon receiving the letter I decided to challenge the debt and sent them a prove it letter in standard template form. I received a reply back a month ago stating the telephone number and the cost of the debt. the DCA also stated that they would apply from the original creditor for a statement. Today I received another letter from the DCA. In the letter it has stated. We have enclosed documentation from .............. We have included a FAQ sheet. The documentation sent was a print screen off a computer of some random numbers and a few dates. there is no official statement nor any address or name (or phone number) on this so called documentation. In fact it could belong to anyone it has no solid connection to me or even the phone contract their referring too. In the FAQ sheet it says How can I reply to this letter without admitting any liability. The documentation I believe is not valid proof I owe the debt. Could you please advise me if this is a acceptable form of proof. Can i reply back stating that and threatening to contact the financial ombudsman ? Thanks for taking the time to read.

Thank you for the swift reply DX I'm aware you have a great reputation on here so thanks for reading my thread. So you suggest to fire a CCA Request to Robo I will indeed do this. I also have a catalogue debt with lowlife should I fire one at them or let sleeping dogs lie for now? The PAP is first steps towards A CCJ am I correct in thinking. Would I not be leaving myself with less time to challenge this or is it a case options open up once this has begun. ? Thanks Dx

to cut a long story Short I had a massive breakdown in a long term relationship 5 years ago leaving me with large debts. I'm a reformed person now to how I used to be with money and I'm looking to get a mortgage. I have ignored these debts as I'm aware of the statue barred system. Sadly the other day I have received 2 pre legal assesment letters from Lowlifes based on 2 old O2 accounts. I'm aware that the pre assesment is just a threat but it's one I need to take seriously based on my mortgage applications. The drop off date is not till next summer. It leaves a sour taste in my mouth to set up a payment plan for this although it could be the way forward. I maybe up for full and final but the accounts equate to £1000 roughly. Can someone advise me on the best option for these without judging. I have previously beaten lowlife in court for a ccj based on another communications account I held based on no CCA to prove it was mine although I think I got very lucky as I'm aware it's not regulated under the CCA. I currently have another CC account which I'm fighting with Roboway via the prove it method for which they have wrote to me twice over the months stating they are having issues with the original creditor. Sorry for the long read but this is massively important I avoid a CCJ.

Just out of curiosity if its not secured what would be the next step because my mother is sadly in bits and will make the wrong decisions concerning these debts. Thanks for the advice everyone

Ah thanks now I understand I will get this checked I imagine there is yes.

There are no judgements on the property Dx if that's what you mean by charges everything has been paid up to date and on time.

Hi I'm after some information please. Last week my grandfather died. Sadly he owes Barclay card roughly £7000. I believe this card was taken out as a secured card on his property. In his will he has left his house to both of his daughters 50% each. My grandmother also passed 3 months ago. My question is, because he had equity in the house is it up to my mother who now owns 50% of the house to pay this debt. If so So Should the debt be split as she only has 50% of the house.

Hi Lee my reference number is ######, I'm only interested in contact via email or letter . Thanks for your assistance.

Okay thanks Brigadiers was wondering when I offer my plan whether it's worth trying this before I make a payment plan offer can't see I've got anything to lose or do you think I'm better staying clear

One other thing guys how realistic is the write off letter in the library anyone had any experience with it ?

Thanks for the advice, I will CCA the defaults if there is no liability but would seem it might not be worth including them in my pay plan option as they drop off in just over a year and I don't want to reset the limitations act clock. I have a funny feeling both defaults will struggle to come up with the paper work.

Thanks for the response Dx I have 6 other debts about to go into default stage 2 with 02 one with Vodafone Jd williams Ladder loans/Inventive finance Aqua credit card If I CCA the old defaulted debts am I admitting liability for it ? I haven't looked into the PPI as I was dubious about admitting the debt to be honest. I read if I paid any money they can restart the default date so I have managed to avoid it up till now and I certainly don't want to do that. I am new to this so sorry if I sound inexperienced. The date of default on my Cabot file also seems wrong as I never paid that much towards the credit card maybe 4 months payments if even that (young and stupid). Vanquish originally had the account and would have thought they would have defaulted me well within the 15 months period stated above. Once again if I chase the penalties am I not I admitting liability so the default date starts again ? This is my worry if I include them with my pay plan deal once I start paying they can extend the default or do I have this totally wrong. Thanks Mike Also the address I have for Cabot and capital one is a Po box. Can I send a CCA to that address if it needs to be signed for.

Hi, I'm new to this and hope I have posted in the correct place I need some advice regarding some old debts I have if anyone can advise me please. Recently I had a break down in a long term relationship and now have got myself in trouble with several recent debts as I've been left a single father who has sole custody of my child. I am only able to work part time and have been in contact with pay plan to try and get my new debts sorted. I was silly in my younger years and managed to obtain 2 defaults on my credit file. I have 1 debt with capital one Balance £371 Default balance £506 Account start date 02/05/2008 Default date 27/11/2009. Credit limit £200 and another with Cabot financial services Opening balance £548 Default balance £548 todays balance £657 account start date 22/09/2008 Default date 31/03/2010 Original lender Vanquish credit card limit £250 I have not spoken to any of the default creditors in the last 4/5 years admitting to no debt. Pay plan have advised me that I should add these debts into a payment plan however I'm not so sure this is a wise idea as I will be admitting the debt and the 6 years can restart as they are close to being statue barred. What should I do regarding these debts ? Cabot have added fees on there for which I have no idea what for and also capital one. I receive no letters from capital one regarding this debt and receive letters threatening letters from Cabot. I'm not looking for a way out but don't know if it's wise adding them into a payment plan at this stage the debts are so old. Thanks for your time