Thank you so much, that’s really helpful I shall get the letters done tomorrow

Ok SAR letters first, I shall contact the enterprise fund, do I send them a SAR letter, if I acknowledge the debt I will reset the clock

All other debt have my new address or will do once I have sent the cca and settlement letters. the Vilcol which is my biggest concern I wasn’t aware was outstanding therefore didn’t know to inform, if I’d known about it I’d have included it in my dmp 4 years ago. i feel I need to acknowledge this letter in some way so I don’t get a surprise ccj, I just don’t want to reset the SB timer does that make sense

Yes I’ve moved twice PayPlan must be updating them with my address as I have received a settlement off from a debt ivr now settled

No I don’t believe so and I don’t think he will have been, I think it is classed as a unsecured personal loan. I signed for it as he didn’t have a credit rating good enough to get it. I am buggered really arnt I !

Ok thank you, so how would you recommend I approach this letter? Ignore and see what happens. From what you said I understand that I can’t send a CCA letter however unsure how it being exempt changes the situation, this is all new to me. Sorry if I sound daft!

I was going to send F&f letters to Barclays MBNA Next Talk Talk would you suggest writing asking for a breakdown of the outstanding balance? Next are the only ones which send me a monthly statement. thank you for your help

Thanks DX, following your previous comments I have looked up the CCA letters and prepared them for the DCAs, I have also prepared letters for F&F for the others offering 20%. Thanks, Comebackjimmy, If I didn't need my credit score to improve I would have the balls to cancel, however I have 2 years until the defaults expire and need to go onto a mortgage. Thank you for your response Andyorch, I don't think it was included in the company being dissolution. The amount was £10,000 so less than £25,000. This really isn't my area of expertise so unsure how to approach this letter from Vilcol, Dx advised to ignore which I am happy to do, and I can wait to see if I get a court letter from them enterprise fund? like ive said above I need keep my credit score clean so cant be getting any CCJs. I really appricate everyone's advise.

Thanks I shall ignore, Please see below as requested Original Creditor Credit now with Balance Debt Type Date opened Date Defaulted Barclays 128 Overdraft 07/09/2020 18/11/2015 Barclays Link 4108 Credit Card 20/07/2020 14/09/2016 MBNA 2525 Credit Card 16/03/2020 31/03/2016 Next 711.72 Store Card 20/09/2010 13/07/2016 RBS PRA 418 Overdraft 06/08/1998 05/07/2016 RBS PRA 467.51 Credit Card ?? ?? RBS PRA 5624 Loan 27/09/2013 05/07/2016 Talk Talk 240.23 Comms 08/07/2015 22/11/2016

Very interesting read thank you, I look into writing to these asking to be provided with the CCA. In terms of the The Enterprise Fund debt stated on the letter from Vilcollections, what action would you recommend I take? They havn't bought the debt, there are just chasing on behalf of their "Client" I've never had statements or any other communication with these or the lender since 2014. The only details this letter has is "The Enterprise Fund" and the balance due. To be fair I moved out of the address they had for me 5.5 years ago, a part of me believes they are waiting for me to respond to see if they have found the correct person. Thanks,

I think as a business partner as my ex was the director of the limited comp. I believe it was the accounts at the time that dissolved the company. I am sure it was the government funded loan. Also in terms of my DMP, I am doing this via payplan and no ones mentioned to me sending a CCA request letter, I shall look this up now, the only DCA I am paying in my debt management plan is PRA Group Ltd for 3 debts totalling £6500 and link Financial ltd for 4231.22. Thanks

Hi I am after some advice if anyone can assist. In 2014 my ex partner of 12 years set up a business and applied for a start up loan, I stupidly signed on the dotted line. I didn't spend any of this money. The same year the business was dissolved which I thought the loan went with it. My ex and I separated and I moved. On Saturday I received a letter from Vilcon requesting payment of £9500 on behalf of The Enterprise Fund. This was a complete shock to me, nearly 6 years later. I have looked through old emails and June/Jul 2014 was the last communication I had with the lender. Following the breakdown of my relationship with my ex I was left with a lot of debt which I have a DMP and this is working well form me. I cant decided how to approach this letter, do I incorporate this into my DMP, query with them and arrange a payment directly or hold out until its statue barred (its got to be 2/3 months away) I have spend the last 5 years working hard to rebuild my credit rating in the hope of going on my now husbands mortgage next year. Any advice would be greatly apricated. Thanks

Hi, Please can you let me know how you go on with Vilcol, I am in the same situation with 10k chasing letter that appeared on my doorstep on Saturday, my ex partner arranged the whole start up loan along with spending the money, I just signed on the dotted line. June/Jul 2014 was the last communication I had with the lender. Cant decided to incorporate this into my DMP, query with them and arrange a payment directly or hold out until its statue barred. Thank you, https://www.consumeractiongroup.co.uk/topic/418957-£5k-debt-with-vilcol-collections-they-produced-a-credit-agreement/?tab=comments#comment-5019278