Just a quick update regarding that last alleged payment they have claimed i Made in March 2012 I have just got hold of my bank statements of that time and no such payments went from that account Its the only account I had at the time

Yes I understand they can’t do much. Was just reading on a another forum that just by going to see them, under pap regulations they need give you time to try sort it out. Maybe I misunderstood. Thanx for your replies

Hi all I have read somewhere that making an appointment at CAB Could possibly delay any court action. Is this a credible delay tactic?

Not sure I understand Ford... are you saying not to send pap letter Ford. Are you saying a pap letter can stop the statute barred clock?? Please clarify

Ok dx Hi Ford. Yes I responded with statute barred. But they are disputing that. Now I am responding with what DX has advised

Haha ok...i will be sending off yours tomorow...

Well not a pap. Just court threat possibly. I replied with the pre action protocol letter similar to the one in your post

There first pap was over two years ago Latest one is dated 16/11/17. I replied saying it statute barred. They passed that on to robinson who replied with the 9 March 2012 payment letter. Few days ago

Yes ford

Will do dx thanx Do I do a cca request and add to to it all the points you have made on post 6 on the same letter?? Its ok. Ignore this post. I see where to put it Cheers Hi slick You mentioned some delaying tactics. Can you possibly give some examples please. Cheers

Ha I know know. I don’t. Did it bcos I found it funny. But like I said there was some excellent knowledgeable people there too who did things properly....along with nutters The letter I sent was exactly the post 6 you have made.. But I will follow your advice. Thankyou

Thanx dx. I had a look. It’s similar to the original cca request I sent two years ago after receiving the first court threat. It was was drafted by an excellent person known as [removed] . It contained all the info you have listed in your pap post. But they did not respond to all of it. I got Just incomplete statements and the signed agreement. As I recall [removed] said if they do not respond to all points I can apply for a STAY if they commence proceedings Some further info iv managed to find Default sent on 5 may 2010 Default registered jam 2011 Final payment made March 2012 Debt passed on by Bc on April 2013

Sorry. What is pap letter guidance and where do I find it. Can you link it please

Yes I know slick. Was just thinking to ask them to provide proof of that payment as some of the statute barred letters on here state.. Just tie them up a bit and keep them busy with a delaying tactic Something like this.... Please provide proof of the alleged payment under section 5 of the limitations act Please be aware Consumer credit source book states a firm must not ignore ore disregard a customers claim that a debt has been settled or disputed and must not continue to make demands without providing clear justification/ evidence as to why the customers claim is not valid

Hi slick. Thanx.. will do Do you have Anymore delaying tactics just in case this doesn’t work? Im thinking to send Cca h Cohen but get robinson working too since they just me that letter about the 2012 payment. Thinking to send them statute barred letter I found on here asking them to provide explicit evidence of that payment. Good idea or not?