I have a £12.5k debt to Nationwide that was sold to MKDP. On 30th September 2015 the debt will be statute barred however on 27th November 2013 MKDP issued a claim in court to which I put in a defence - to do with exorbitant charges I think but I can't remember now. I have not heard anything since does this mean that the debt is fixed for them to come back anytime or will it be barred on 30th September 2015 if I hear nothing from them. Now that Hoist have hold it of it I doubt it will get that far would it be better to contact them and offer some form of repayment?

Another One Bites the dust again! Hoist has bought Robinson Way in the past but now it has made advances towards Compello Group HERE Compello Owns; MKDP LLP MK Rapid Recoveries Keynes Collections

hi guys, I'm after some advise if you can please. Ive also phoned debt line twice today and received two lots of different information, and also received different information with regards a bank and a mortgage broker. so here goes. my situation: years ago i got myself into pickle with debt. i had several loans including a large one to Barclays, Barclaycard, and some minor loans. i lost my full time job and money was tight. eventually i started to pay off the loans i could, or the ones i knew about at the time. got with my ex partner who i give the money to to deal with my finances when i was away, never heard nothing back from barclays, moved address split up with my ex shortly after. (turned out she kept this money for herself). long story short. i still have a barclcaycard debt outstanding owed to MKDP. The debt was originally for £3116. and i don't low whats happened to the barclays loan it is not showing on and CRA files so I'm assuming that gone. now I'm settled with kids, i would love to have a mortgage with my partner. but the problem appears to be this barclaycard debt. the account was started 15/10/2001, it was settled 24/06/2011, and sold to mkdp 01/07/2011 for £3116. The default was registered on 27/08/2009 for £3116. this is shown on experian as that date. yet equinox don't who anything of this debt. MKDP are still registering the debt each month as not paid and as a late payment, and this was updated only a few days ago. my questions are: 1. when the default was served, 6 years would mean that it would drop of my credit file, but what would drop off, just the default or the whole account with barclaycard. even if they sold the debt and made an entry to say the debt was sold july 2011 to MKDP? 2. would the whole debt including account from Barclaycard and MKDP drop off come 6 years next summer even if no payment is made. or say if MKDP updated there file in say July 2015 a month before the default drops off, and the make a note as late payment, would this still show there for a further 6 years from next july. obvs im in a pickle, cos even if i scraped all my money together, i would doubt i could afford to cover the cost of this debt atm. the fact I've gone 5 years so far with it being there. And obis 6 year point in becomes SB, would MKDP still be able to make entries on my credit file say for OCT 2015 NOV 2015 for missed payments yet the default has cleared and the account would be SB? i was under the impression that after 6 years the whole debt and account would just be swallowed up by the system and would drop off. any advice would be appreciated, I'm kind of worried that they will serve a CCJ against me in the next year, if they do this, would i be able to say just pay it before a court hearing. I do have an additional credit card i could use but thats earmarked for our wedding atm.

I have received two letters today for "formal demand for payment made in accordance with the Practice Direction - Pre-Action Conduct of the Civil Procedure Rules". These are for an HSBC overdraft and Credit Card that I know are statute barred. Should I reply now with the SB letter or wait for the claim forms?

Hi all Firstly apologies this is my first time posting, have had a good look around the site and am very impressed. I've been able to kind of answer my question by studying other posts here but would appreciate peoples opinions if they have time. I defaulted on a HSBC current account that was overdrawn in September 2009. The amount was approx. £4000 and was mostly unfair charges from the bank. I did attempt reclaiming charges prior to default but in the end just gave up, cowardly I know. Since 2009 I've moved addresses a few times and had letters from Compello Group chasing this matter up. Until now I've just ignored everything (possibly a stupid idea) Lately the letters have been coming from MKDP arm of Compello and the latest one looks a little more serious. Its a fishing letter no mistake "We have undertaken further investigation using Credit Reference Agencies in addition to other reliable databases and understand you reside at this address" goes on to say about an instruction to pre-legal department and if the matter proceeds possible CCJ, Balliffs or Attachment of Earnings. The matter would be Statute Barred by my calculation later this year (September 2015), but have read on here firms like MKDP go for a CCJ to prevent it becoming SB ? Should I go for it with the SAR, CCA letters do you think ? Or am I just entering a big next of vipers ?! Thanks folks

Hello out there to anyone who can help. I currently have a thread running in legal issues http://www.consumeractiongroup.co.uk/forum/legal-issues/192275-ccj-interest-debt.html and as the advice I've been given has made me lift my head out of the sand a little more I thought I'd try and tackle my issues with Barclaycard. I had accounts with Goldfish and Morgan Stanley(probably around 7-10 years old) which unfortunately ran into difficulty. I arranged payments with both these accounts on an interest free basis and all was running smoothly. Since last year Barclaycard have take over both the accounts and I believe they are going to try and railroad me. They've already started to charge interest on the accounts (which I have had to get refunded)despite my arrangements and are starting to prove troublesome. Is it worth trying the account(s) in dispute tactic and sending SARs etc to see what they hold on me and if they have the CA's on these accounts bearing in mind the age of them. I've never trusted Barclaycard and previous accounts I have had with them I have settled. I did not choose them as my creditors and I would love to get them off my back if I can. Any suggestions where I might start?

Hi all What do I send next to Bcard - if anything? CCA requested for very old MSDW card. Received usual reconstituted application form. Dodgy DN issued by Mercers. A/c in dispute letter sent to Bcard + holding them responsible for Mercers harassment. Letter and doorstep visit (told to Foxtrot Oscar) from Resolvecall but no confirmation from either Mercers or Bcard that they are who they say they are. Today: 2 statements from Bcard. 1. Mercers are now dealing with your account...' 2. '...your card has been withdrawn. 3. 'Your card has now been canceled....' And £0 credit limit shown. 4. Interestingly no Late Payment Charge for Oct but £12 on all preceding ones. None of this overly troubles me but I wonder if I should write querying the nature of assignment to Mercers and/or does 'Your card has now been canceled.' mean that the agreement has been terminated. Or do I just let dying dogs lie for now? Any advice gratefully received. Best wishes vic

This is a second claim I have received of 3 in total. I wish to defend in full. I have heard nothing about these accounts fro years and had no idea it was going to court. Name of the Claimant - MKDP llp originally HSBC Date of issue 24/07/2014 Date of issue 24/07/2014 + 19 days ( 5 day for service + 14 days to acknowledge) = 11/08/2014 + 14 days to submit defence = 25/08/2014 (33 days in total) What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. The claimant claims the sum of £3xxx being monies due from the defendants to HSBC bank plc under a bank account facility regulated buy the consumer credit act 1974 and assigned to the claimant on 08/12/2011. The defendant account number was xxxxxxxx. It was a term of the bank account that any debit balance would be repayable in full on demand. The defendants has failed to make payment as required by the statutory default notice served by HSBC Bank plc. Tha claimant has complied, as far as is nessarary, with the pre-action conduct practice direction. What is the value of the claim? 3400 Is the claim for a current or credit/loan account or mobile phone account? Bank account, but this is actually a bank account and a loan, HSBC combined them before selling them off to MKDP, I do no think MKDP are aware of this by the looks of the claim, its listed as a bank account. When did you enter into the original agreement before or after 2007? 29/11/2007 bank account and loan 18/05/2007. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Purchased from HSBC by MKDP llp 08/12/2011 Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Cant remember, but the apparent default date is Bank account 26/01/2008 and loan default 26/01/2009, MKDP list the default date as 26/01/2009. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments:- Ill health, loss of job, low income. Was there a dispute with the original creditor that remains unresolved? HSBC we unhelpful and basically said there was nothing that could be done. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Attempted to, they said I could not afford to.

Please can someone advise please as we thought this had all been resolved: Back on the 31/1/04 we got a car from welcome finance since then actually taking the car we had nothing but problems car was unfit was in garage more than on the road etc etc But we kept paying original debt was £11337 we got this down to £6,247 until we had enough and refused to pay till car was swapped or sorted well to cut a long story short it tooks many more years until 5.3.10 when WF told us to sell car as full and final settlement So we did and thought that would be the end of it then earlier this week (todays date 20.4.2015) we got a letter from a company called MKDP telling us we still owed £6247 as they had now bought our debt from WF i disputedd this and explain the situation over the phone and they said they would put on hold and check They sent me a statement of my finacial account with welcome finance on which it states 5/3/10 account type credit amount : £6247.48 balance £0.00 description: Debt written off ..... if this is on my statement which is supposed to be from welcome car finance how can mkdp be chasing us for that ammount and why have we not heard anything from 2010 until just over 2 weeks ago. The welcome car finance default was even removed from our credit score over a year ago and we thought we were rebuilding again can someone advvice whats the best course of action to take please..

Name of the Claimant ? MKDP LLP Date of issue - 11th April 2014 What is the claim for – 1."The claimant claims the sum of £xxxx.xx being monies due from the Defendant to the Claimant under a regulated agreement originally between the Defendant and HSBC Bank Plc. 2.The Defendant's account number was xxxxxxxxxxxxxxxx and was assigned to the Claimant on xx/12/2011, notice of this has been provided to the Defendant. 3.The defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. The claimant claims the sum of £xxxx.xx and costs. The claimant has complied, as far as is necessary with the pre-action conduct practice direction." What is the value of the claim? £xxxx.xx (between £1300 - £1500) Has the claimant included section 69 interesticon (8%)within the total claim or is it shown separate within the Particulars but not added to the debt? Nothing specified Is the claim for a current or credit/loan account or mobile phone account? credit card account When did you enter into the original agreement before or after 2007? Before 2007 (I think) Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? No, Did you receive a Default Notice from the original creditor? Not that I recall Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that I know of Why did you cease payments:- I lost a massive job in 2009 after a perfect credit history and found myself in a spiral out of control with various creditors wanting more than I had left. I put priority debts first! Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No This is my first posting - I hope it makes sense I've received a CC Claim Form with the Claimant being MKDP LLP for a historical HSBC credit card debt. I've read the forums and extracted the following (see below QUESTIONS/ANSWERS) which I've completed as appropriate (changed some values etc. to protect identity). Since I was away working I missed the CC response time of 5+14, I submitted an acknowledgement of service with intent to defend a few days late and I've sent a CPR and CCA by Royal Mail (signed for) and called the court to explain my timing, interesting they said no action had been progressed and that I could do the acknowledgement on-line which I did. Have I done the right thing? Do I need to do anything else? Are MKDP likely to win and drop a CCJ on me? Thanks for your help on this - for forum is excellent. MWJ

I have noticed for the last few months, one debt appears twice on my credit report, with two companies - Nationwide and MKDP - both applying monthly defaults. A screenshot is attached. I am guessing that Nationwide sold the debt onto MKDP. However, if MKDP are listing a default date of 8 January 2009 (when it was sold on?), why would Nationwide then state a default date of 3 August 2009? Furthermore, if the debt is indeed owned by MKDP, then why does Nationwide continue to apply monthly defaults? Also, having read another thread on here regarding MKDP, is it likely that as of January 2009, MKDP did not actually hold a Consumer Credit Licence?

Afternoon all, Hope every one is well. I have been a regular viewer of the site and have read treads relating to my issue but I have some additional questions. I am in the process of sending my defence I believe I have a few more days in which to do this. I acknowledged on the 22nd September. Name of the Claimant: MKDP LLP Date of issue: 08 Sep 2014 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - What is the claim for – the reason they have issued the claim? The claimant claims the sum of xxxxx being monies due from the defendant to the claimant under a regulated agreement originally between the defendant and Barclay card. The defendants account number was xxxxxxxxxxx and was assigned to the claimant on 22/6/2012, notice of this has been provided to the defendant. The defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974. The claimant claims the sum of xxxx and costs. The claimant has complied as far as is necessart with the pre-action conduct practice direction. What is the value of the claim? £5k Is the claim for a current or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. The Claim has been assigned by the Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? I do not recall being made aware by a notice of assignment only verbally and via chase letters. Did you receive a Default Notice from the original creditor? I do not recall receiving a default notice from the original creditor and the only default placed on my account was by the debt purchaser. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I have not received any statutory notice of default sums Why did you cease payments:- I was in financial difficulties, couldn’t afford minimum repayment or interest. I am pretty sure I advised Barclays the original creditor but months later claimant started chasing me for monies Was there a dispute with the original creditor that remains unresolved? not that I recall Did you communicate any financial problems to the original creditor and make any attempt to enter into a plan? I believe I advised of my financial circumstances I do not recall if an plan was offered or entered into. Additional information that may be useful or help; According to MKDP account was assigned on the 22/6/2012 they then defaulted me on 27/6/2012. Barclay Card have the account settled on 20/6/2012 Debt doesn’t appear Noddle/Credit tracker with MKDP until August Original default balance is £0 After requesting proof verbally with MKDP and months of waiting I have a suspect looking letter from Barclay Card and enclosed with this a reconstituted copy of my credit agreement, copy of terms of credit agreement varied in accordance with section 82(1). With this is a copy of the original application form signed by myself but no one else? How can they have this and not the term and conditions? And surely there have to be an authorising signature from Barclay card? Any advice would be appreciated Many thanks D

Hi, Not sure where to start so I will start with the obvious. I am defending myself against MKDP LLP for a Barclaycard debt they say is mine. This all started two years ago when I started receiving Barclaycard letters saying I had missed payments, I rang them and was told the same even when I was able to demonstrate that I had been paying my account (mins only) eventually I recieved letters and phone calls from Robinson Way who seemed to want to help and suggested I paid them £100 a month until they could resolve the matter for me. 6 months later and I was no further on, except I was now receiving threatening letters from Raven. I stop the direct debit to RW and found this fantastic forum and your great template letters. What followed was requests for CCA and SAR with the appropriate fees asking not to be used against alleged debt ect. The following agencies having ALL continued chasing this debt with differing amounts on most occasions. (Apex, Robinson Way, RMA and MKDP LLP) the amounts differ from £6,805.32 to 8,847.14. MKDP LLP court documents claiming £9,257.14 (C/Fee £410) Needless to say my CCA requests and SAR requests went unanswered except for one communiction with Apex which acknowledged receipt of my communication and stated "Please advise the customer that copies of applications are only available for legal reasons, we now require confirmation of this" here I am with Papers served returned acknowledgment of service with the 28th June as deadline for defence. I have used a template letter from here informing MKDP LLP that I intend defending the whole claim and requesting CPR 31.14. This was sent special delivery on the 29th May. To date I have not even received an acknowledgement yet alone anything under my request. My question is this: How do I draft a credable defence using the fine examples on this forum without looking like a complete numpty quoting legal terms out of context and manage to cheese off the District Judge before I have my day in court (assuming it goes that far) For information MKDP Claims: The claimant claims the sum of £8,847.14 being monies due from the Defendant to the Claimant under a regulated agreement originally between the Defendant and Barclaycard. The Defendant's account was XXXXXXXXXX and was assigned to the claimant on 22/6/2012. Notice of this has been provided to the defendant. The defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served persuant to the Consumer Credit Act 1974. The Claimant claims the sum of £8,847.14 and costs. The Claimant has compiled as is necessary, with the pre-action conduct practice direction. I am still recieving letters from Apex and letters from MKDP LLP "to avoid court action, blah, blah" Sorry for the lenghty post K

Hi! I wonder if I could get a little help with a claim received for a Lloyds bank Small Business overdraft sold to MKDP, I'm submitting it on behalf of my wife, I have read several very similar threads so I believe I have a handle on how to deal with most of the process but I just want to be 100% Regards Lee PS I think this site is fantastic

Hiya, Bit of a complex one, Got an account with Halifax that went into many problems - mainly system problems that caused the account to disappear, lose address records etc but it also lost my overdraft and was therefore moved to debt collection while I was in complaints process with them! Due to illness and a death in the family a few months passed and I did not hear back from Halifax. I then recieved out the blue a letter from MKDP saying I owe the account balance I gave them my complaint reference and re-wrote to Halifax who said they will get back to me in 4 weeks - I asked MKDP to put it on hold while this happened. Now today I have come in to see a court claim form from MKDP for the account balance + costs. Obviously I am going to defend myself against this especially as this is still in complaints but just want to know the best way to do it before I do Is it relevant as well that the claim has only been made in my name when it is joint account? Any help appreciated

My apologies for leaving this so late, but it had appeared that the claim wasn't moving forward. I have now found I'm in Court! Claimant: MKDP LLP (claim value £9999 - !) acknowledged and the attached defence submitted October 2014 Heard nothing further until Wednesday (25/02/2015) when claimant served witness statements and included various reconstituted documents. This was an electronic application from my Barclays current account for a Barclaycard made in 1992, I did not sign anything. I intended if this ever made it to Court to rely on unenforceable and the ‘four corners of the page’ for a properly executed agreement. None of this matters now as I am in Court. The claimant hasn’t filed or served in accordance with the Court Order (to be filed and served 16/02/2015) and I am wondering if I should object to their witness statements (for late filing) and apply to have their claim struck out and their claim dismissed with prejudice as they have no prospect of success. Alternatively as their witness statement may prove they have no case, should I leave it in and proceed to defend on the basis that no document was ever signed? The Claimant was served in September 2014 with S78 and cpr 31.14 requests. They said 31.14 didn’t apply as it was small claims. They said they would request info from Barclaycard and that it could take 8 weeks but would forward it on - this arrived in their witness statement on Wednesday. I’m beginning to flap now. Thanks for looking at this and please, if you can help, I’d really appreciate it. C

Hi, i 'm hoping that i'm posting this in the correct forum. Really hoping that someone may be able to help me. I have received a county court claim form from MKDP for a credit card that I had approximately 7 years ago from HSBC. About 4 years ago I completely cleared the card when my little boy was born. Shortly after this I became poorly and had to leave my job at the time. My husband was then made redundant and I ended up dipping into the card again. (stupid, I know) HSBC must have issued a default notice at some point but I haven't saved the documents. I've buried my head in the sand and now I have to face this. I think a lot of the amount claimed will be unpaid monthly charges added on. I've asked for an extension to put in a defence. I have to try and defend this as I will almost certainly lose my job if they enter a judgement against me. Is there anything that I can do to prevent a judgement at this stage? I've written to the company asking them for copies of the default notice, a full breakdown of what they say I owe including any charges and a copy of the assignment. I didn't send this recorded and they have not responded to me as yet. I'm going to email the company with the same. Could anyone give me advice on what I should be asking and also the claim was dated 14/06/13 so will the date of service be 19/06/13? This meaning I only have a couple of days to email a defence to the court. Can anyone help me with this?

I have received 3 claims for MKDP llp. I will post them up separately. I really need some help with this and I am terribly worried about it. I have no idea what I am doing, but I must defend this fully. Any help would be appreciated greatly. Name of the Claimant - MKDP llp originally HSBC Date of issue 24/07/2014 Date of issue 24/07/2014 + 19 days ( 5 day for service + 14 days to acknowledge) = 11/08/2014 + 14 days to submit defence = 25/08/2014 (33 days in total) What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. The claimant claims the sum of £1xxx being monies due from the defendants to HSBC bank plc under a bank account facility regulated buy the consumer credit act 1974 and assigned to the claimant on 08/12/2011. The defendant account number was xxxxxxxx. It was a term of the bank account that any debit balance would be repayable in full on demand. The defendants has failed to make payment as required by the statutory default notice served by HSBC Bank plc. Tha claimant has complied, as far as is nessarary, with the pre-action conduct practice direction. What is the value of the claim? 1200 Is the claim for a current or credit/loan account or mobile phone account? Bank account When did you enter into the original agreement before or after 2007? 29/11/2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Purchased from HSBC by MKDP llp 08/12/2011 Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Cant remember, but the apparent default date is 13/08/2009 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments:- Ill health, loss of job, low income. Was there a dispute with the original creditor that remains unresolved? HSBC we unhelpful and basically said there was nothing that could be done. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Attempted to, they said I could not afford to.

Hi. I received a letter from MKDP a couple of weeks back about my lloyds overdraft. I am sure that this account has not been acknowledged for possibly 8 years so I sent the statute barred letter. They responded today and apparently £3 was paid to the account in March 2010, which is nonsense. They have provided no proof they just say 'This has been confirmed with lloyds'. Can I ask them to provide proof or do I need to send a sar? Thanks, Paul.

I have received today a county court claim form from MKDP for an account which I am positive is now statute barred. I never made a payment on this account and never made contact with the various companies over the years acknowledging the debt. The entry on my credit file was removed at the beginning of the year so know its over 6 years. The particulars of the claim state: The claimant claims the sum of £703.57 being monies due from the defendants to Nationwide under a bank account facility assigned to the claimant on 10/10/2011. Could someone advise what I need to do now. Many thanks

Hi, I'm about to make a claim for missold PPI on a Welcome Finance loan sold that was sold to MKDP in 2010, it is definitely statute barred ( sure of that). I wanted to know if FSCS rules are different that with normal lenders, if I put the claim in will they be able to offset the refund against the debt? As far as I'm aware, a company can't offset a PPI refund against a debt that has been sold to an external DCA (in this case MKDP). I would be grateful for any help with this. Thanks in advance.

Do you mind if i use this too Brigadier? I defaulted early 2008 (I don't have the actual date - Should I send an SAR?) Sorry to hijack a thread

ok, here it is...... Thanks! AT

Hello.... I think I''m being duped and am hoping you can advise on the following please....... Back on March 26th last year I CCAd MKDP regarding an outstanding debt on my credit file... Since then they have regularly written to say that they don't have the information and are liaising with the original creditor... Today I received a letter headed "Statement in relation to the below agreement governed by the consumer credit act 1974". It lays out details of the debt under query with the addition of a transaction made on the 28/2/2014 of £1 - plus another transaction on 2/4/2014 entitled "miscellaneous charge" of £1. That £1 can only be the fee related to the CCA letter. Are they effectively trying to prove a tacit agreement and re-activate the account - if so what steps should I take next? My initial reaction was to send a letter pointing out their "mistake" but then decided to council your opinion first. I've attached their letter and my CCA letter to make things a bit clearer... - which appear to have dropped off so added in later post... Kind regards and thanks - Andy

As I mentioned in a previous post, we have a lot of old debts that I am now trying to deal with and resolve, although we have no spare money to pay. In 2007 my husband defaulted on a credit card with First Direct with an outstanding balance of around £6,500 (nothing showing on his credit file that I can find). We talked to CCCS who couldn’t help us as we had less money coming in than was necessary for essential expenses. I wrote to First Direct informing them of this. A few months later we started getting letters from DG Solicitors and in October 2008 I wrote to them offering £5 a month. I have nothing else on file for them and as far as I can see the £5 a month offer was never accepted although we have moved several times since then. A few months ago we started getting letters from MKDP and MK Rapid Recoveries demanding repayment of this debt. We have been paying them a monthly installment of £10 for a different debt so assume they got our current address from that. They also sent us a statement dated 30th Nov 2014 giving the outstanding balance still at £6,500 and saying the last statement date was 30/11/2013 although I have no other statements from them. My question is what should be our next move? Is it likely that they are about to issue a default or even start court action after all this time? Is this statute barred? Should we contact them at all or just hope that they give up and go away? Thanks in advance for any help!