Hi, this is my first time posting here. I have already posted on 'moneysaving expert'. This is what I posted - 'In 2013 I took out 3 insurance policies through a broker called Mortgagepro UK Ltd. I signed a client agreement that stated if I cancelled the policies within 4 years I would be liable for any lost commission clawed back by the insurance company. In January 2015 I found I could not afford the premiums and cancelled the policies. I had forgot about the client agreement & heard nothing from Mortgagepro UK Ltd. Last week I received a call from a director of a company called Mortgage & Insurance Professionals. He claimed I owed his company the money and said he was willing to go to court if I didn't pay. I have since received 3 texts. I then got a letter stating the debt had been sold for £1 to another company called Fast Reclaims. I noted the director who contacted me had signed as a director of Mortgage & Insurance Professionals AND Fast Reclaims. I wrote to Mortgage & Insurance Professionals asking to provide proof I owed them the money because they were not the company (Mortgagepro UK Ltd) that I had originally done business with. I received a text from the director saying he will prove I owe the money in court. I don't see how anyone would pay nearly £1,200 on the basis of a telephone conversation & a few texts. This is where the plot thickens and I thank you for sticking with me so far. I searched the Company House website. It showed that Mortgagepro UK Ltd were in liquidation and a new company called Mortgage & Insurance Professionals had been set up at the same address & the director who contacted me was a director for both companies. Also, these companies sound very alike, but are not the same. I am really REALLY worried. I always pay money I owe, but so far I have not received anything in writing requesting this money. I can not afford legal advice & the thought of going to court scares me. I am not going to pay until I receive proof I owe the money, but this director seems very keen to go to court rather than supply the information I am requesting. What am I to do? I am writing this after 1am because I can't sleep because of the worry. I hope someone can help. Thanks in advance.' I have complained to FOS as I recently received a letter from 'Fast Reclaims' stating they were preparing for court action. Mortgagepro UK Ltd were put into liquidation by creditors. How can a company I have never done business with demand money? Please ask if you need more information. Thanks in advance for any help you can give.

Hi Everyone, A few weeks ago (23rd December actually) we received 2 letters from PastDue Credit Solutions. The letters had my name and address on them and some account numbers and references I know nothing about. Their client was also printed on there as ScottishPower Energy Retail Ltd who we have never used.. Here is the detail of the letters for reference, I have typed it all as I think its important to see how these agencies behave. IMPORTANT MATTER THAT MAY AFFECT YOUR CREDIT RATING Dear Mr/Ms BubbleGuppie.... Supply Address (Our previous rented address was printed here..) We have been appointed by ScottishPower Energy Retail Ltd to recover the above outstanding amount. To avoid any possibility of further action, we strongly urge you to repay the amount outstanding by 2nd January 2015. You can repay using any of the methods listed on the reverse of this letter. (You can guess whats printed there ) If you are having difficulty making payment or you wish to discuss this matter, please call a Customer Service Consultant today on. .... We will be able to offer you an affordable repayment plan that reflects your current financial circumstance. This may impact your credit rating Non-payment of the full outstanding balance may result in Scottish Power registering a default with Credit Reference Agencies. If Scottish Power decides to register or have already registered a default it will have an impact on your credit rating. In order to ensure Scottish Power do not adversely affect your credit rating (if they have not already) you have the following options; 1) Pay the balance of £411 in full immediately 2) Pay £100 and setup an instalment plan to pay the remaining £300 For and behalf of, PastDue Credit Solutions the letters stated that I owed 2 amounts of rather large sums of money.. Letter1 Amount - £400 Letter2 Amount - £250 Wow, that's £650 we apparently owe to some agency chasing a debt from an energy supplier we were never with. (We have been with NPower for years, EDF before that!) I called Scottish Power who asked me some questions, realised that the debt was actually for whoever lived there back in 2011 (not us) and appologised. They assured me that they would correct this in their 'back office' d that I would receive a letter from them (not PastDue). they advised I tell PastDue this also to stave off their rapid advances of assumption to which I called them up. I explained the situation to some dude on the phone, he asked for some details, I explained that the debt was not mine and that Scottish Power will 'sort it out' he just said he will put the account on hold for 1 week to see Scottish Power cancel with them. This never happened and we then received another 2 letters on 08th January 2015.. Here is the content of the letters.. (sigh...) :mad2: PLEASE DO NOT IGNORE THIS LETTER Dear Mr/Ms BubbleGuppie.. You have still not paid off the above debt. Unfortunately this means that we may recommend to our client that they should issue a claim against you in court. What this means should the claim be successful? You may owe more as the amount may then include legal costs and/or interest You may have difficulty obtaining credit, a loan or a mortgage in the future. To avoid any possibility of further action, we strongly urge you to repay the amount outstanding by 18 January 2015. You can pay using any of the methods listed on the reverse of this letter. (usual credit card, address details etc..) If you are having difficulty making payment or you wish to discuss this matter, please call a Customer Service Consultant today on 0141 951 2345. We will be able to offer you an affordable repayment plan that reflects your your current financial circumstance. If you are experiencing serious financial difficulty it may be in your best interests to contact an organisation that offers free debt advice. Companies such as National Debtline (.......), Step Change (......) or your local Citizen Advice Bureau will not charge you for their services. Please let us know as soon as possible should this be the best course of action for you. For and on behalf of Pastdue Credit Solutions So as you can see and imagine, we had enough of this now. We were being what seemed bullied by this agency for a debt we never owed. I had a look on a few forums and I sent them a reply using recorded delivery. Here it is.. Dear Sir/Madam Account No’s: ............. ............. You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that I have no knowledge of any such debt being owed to Scottish Power I am familiar with the Consumer Credit sourcebook of the Financial Conduct Authority (FCA) which states the following rules. "A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid." 7.5.3 "A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds." 7.14.1 "Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner." 7.14.3 In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above accounts unless you can provide evidence as to my liability for the debt in question. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the FCA of your actions. I look forward to hearing from you. Yours faithfully Mr/Ms BubbleGuppie A week or so passes by and we then get this letter from them on 19/01/2015 Dear Sir I write in response to your recent correspondence. I understand that you are in dispute over the aforementioned account. Before we can make contact with our client, we require more details on your dispute. Our operating ours are .... Yours Sincerely ............. Admin Assistant for and on behalf of PastDue Credit Solutions So now we are not sure what we should do now? Should we call them? Ignore them? What? Can someone please advise on this? Sorry for the large post, but I needed you to see whats been going on. Its been quite a ride as you can see and to be honest it makes me sad that Britain has become like this with sharks trying whatever they can to get money out of people who don't owe it. Advice please!

I am very interested indeed to read this story today on SCOOP concerning Burnley Council who are sending demand notices for alleged council tax dating back to 1997. The article states that with minimum details to back up their claims, home owners, including landlords, are being sent claim notices for the first time and expected to trawl through past records over many years to identify if these claims are still valid. I think that this could be a bigger problem because yesterday, I spoke with a gentleman who has received correspondence at his current address from a bailiff company (no names at present) for a Liability Order that was ISSUED 20 years ago (1995). The debtor moved from the marital home that same year and his ex wife continued to live in the house for 3 years until they divorced in 1998. Yesterday was the first time that he was made aware that a LO had been issued. What is more worrying is that the day before (Wednesday) I spoke with a lady with a similar problem regarding a Liability Order from 1996 (19 years ago). This one being with a different local authority. With both of the above cases, they have received letters from bailiff companies. Interestingly, both letters are not Notice of Enforcements but do state that non payment will lead to a further letter being sent with a fee of £75 being applied and that recovery will be by way of the procedures outlined in Schedule 12 of TCE 2007. http://www.burnleyexpress.net/news/letters/home-owners-receive-council-tax-demand-from-1997-1-7160003

Hi, I am new to this site, but hopeful that someone can offer me advice. I stupidly, and under duress, signed as a Guarantor for my friend, for a mobile phone contract. This was around 5 or 6 years ago. This 'friend' ran up a debt of £700. The debt has been passed to Lowell's who are chasing me for payment. I spoke to the 'friend' in October 2014, who agreed to pay, and she set up a payment plan with Lowell in October 2014. She made 1 payment and cancelled the direct debit, so Lowell are now chasing me again. I have spoken to Lowell to ask why they are coming directly to me each time she doesn't pay, and I have advised them that she has the means to pay. ..she has a caravan and car on her drive, which are worth more than the debt. They say that's how it works. I feel they should be using every means necessary to recover the debt from her before they resort to chasing me. Am I wrong? I am at the end of my tether...I am a single mom with 2 children, a mortgage and no support. I suffered with depression for 2 years after redundancy, which put me in a lot of debt. I have spent the last 4 years dragging myself out of depression and am proud that I have started my own business and am now debt free, although every day is a struggle to stay afloat. And now this debt has come back to haunt me! This 'friend' has a partner, who works; 6 children, a caravan; goes on holiday; kids do all kinds of paid activities...so why should I pay for her debt?? Any advice would be welcomed

The following story appears on SCOOP today: http://www.scoop.it/t/lacef-news An angry householder, armed with a knife, chased two court bailiffs down a street whilst threatening to kill them. Arfan Bhatti, 46, who was jailed for six months, was furious when the officials arrived to pursue a £132 debt in relation to a traffic fine from a magistrates court. The bailiffs claim Bhatti chased them for about 100 yards putting them in fear of their lives as he yelled he was going to "stab" and "kill" them. He then went back into his home in Byfield Drive, Wigston, before reappearing without the large kitchen knife to shout and swear at them, as they took refuge in their van. The victims, who had already called for the police, drove away. When arrested he claimed he did not initially realise the two men were court bailiffs. Mr Murphy said the background to the incident related to a £332 fine from Hertfordshire Magistrates, towards which he had already paid £200. A warrant was issued and on March 25 last year the bailiffs arrived at 10am and, despite cars on the driveway, there was no response to their knocking. One of them went to the back door and another went to the kitchen window, where the defendant was seen inside brandishing a large knife – prompting them to flee and one of them dropped his clipboard. Mr Murphy said the victims had told him they were "officers of the court." Bhatti pleaded guilty to possessing a knife in a public place and causing an affray. Judge Michael Fowler said: "I accept it wasn't planned, but you responded to those bailiffs carrying out their duty in an unacceptable way.

Out of the blue we have been contacted by EDF some 3 years after selling our house and settling our final bill. We've had a revised bill from them claiming that we owe them over £2,000 This is the story in a nut: Early 2012 - We were an EDF customer for a short time before selling our house at the beginning of 2012. - We paid by direct debit/standing order and operated our account in credit. - The day we moved (hectic) I took the GAS reading on my hand (we were being cajoled by the new owner who wanted to get in ASAP), it was pouring with rain. - I duly passed this reading onto EDF EDF sent us a bill for over £2,000 (early 2012), I had a coronary, contacted the new owner and got the reading she took the day we completed (my reading had included the spinning digits without the . ). The rain had smudged the figures in my hand, I had given EDF an incorrect reading. I called EDF with the correct figures and it was all sorted out. We received a revised bill the account was settled and all was good. Great! Fastforward to February 2015: - We receive 2 letters in quick succession from EDF - Letter 1, sorry we made a mistake we owe you around £300 call us - Letter 2, sorry we made a mistake you owe US over £2000 I have spoken to EDF and they realise that something is not right, the agent I spoke to stated that it would be impossible to run up a bill that big in the time period etc etc.. They are supposed to be sorting this out, but, it's kind of alarming and scary that they can be sending demands like this over 3 years since they account was all settled and closed. Any advice on dealing with them? The demand is definitely erroneous and we do have the original paperwork advising the revised figures etc. Thank you

Hello all, Need some information for a friend... She was a director for a limited company but the company had money problems and ceased trading and has been closed down. Lloyds are chasing her for an outstanding debt for an overdraft she had with her limited company. The Debt has now been sold to a debt collector who is now harrassing her with letters and stipulating money must be paid. Can someone tell me if the director is liable for the debt, or the limited company itself is liable? Many thanks

I have received a letter from Ruthbridge Ltd asking me to pay a sum of just over £9000 which relates to a loan taken out with Black Horse in 2007 for c£30,000. Ruthbridge has supplied a copy of the CCA and a schedule of payments made on the debt right up to December 2012. The debt was originally defaulted on in 2008 and between 2008 and 2012 a nominal amount of £14 was paid monthly to the original creditor. At that point circumstances changed and that amount was not affordable. However recently I got a loan for a car from Black Horse, and this may have triggered the system that I could pay back some of the original debt. So two questions about the next stage really:- 1. The statement of payments sent by Ruthbridge from Black Horse shows a lump sum of £18000 paid off in 2008. I did not make that payment Should I ask Ruthbridge what that sum relates to? 2. I have no evidence of Ruthbridge now owning the debt. Should I ask for a deed of assignment from Black Horse to then (although I think the debt may have passed through other hands first)? I have not yet acknowledged the debt to Ruthbridge. Thanks

Hi guys looking for advice. I have 3 outstanding council tax bills with my (ex) local council. I have since moved away from the area. The bailiffs have started at the mother in laws chasing the debt. After speaking on the phone, they've said they have been chasing this since may 2014, have had no payment, and no arrangements made. According to the office, 'its gone too far for a payment plan' and are demanding full payment. Yet the bailiff has said if I pay x amount, then a plan can be put in place. Below is breakdown of amounts ect:- original bill in bracket Bill 1 is £790.10 (480.10) Bill 2 is £558.69 (320.) Bill 3 is £285.79 (169.35) Bailiff says I have to pay the 790.10, and can then set up a plan on the rest (contradicting the office) This was last week. I said give me a few days and I'll try and raise the money. Now all three accounts have me and my partners name on, but one of them has the brother in law too, as he was on the tenancy (although he wasn't liable for our bills, he paid board money) in my eyes, it's not fair for him to be involved in this mess, and have bailiffs threatening his car for the bill. His name is on the 558 bill. when I realised this last night, I called the bailiff today with the intention of paying £600 which is what I managed to get hold off. But I wanted the account with the brother in laws name on clearing first, to remove him from the troubles. The bailiff has said that's not possible. I have to clear the £790, or £850 to clear the other two accounts, and leave the 790 on instalments. When I queried why this was the case, he said it's just how they're paired up?? He won't except £600 and instalments on the rest, as it's gone too far for that?? His deal is his deal and he won't change it was his words. I also rang the local council direct, they informed me that there is a 350 bill outstanding also, not yet with rossendales. So, the total debt currently being chased by rossendales is approximately £1634 including fees. The total tax due to the council, (including the bill not yet with rossendales) is £1320. Now, if i could deal direct with the council, I could clear 50% of the debt. And arrange approx 100 a month thereafter to clear the remainder. What I'm particularly looking for help with is, Is there anyway the council are going to deal direct with me? Is the amount of fees that rossendales have added legit? What would happen if I used the automated service and tried to pay the original bill, that the brother in law is tied too, direct to the council, and what would happen about the charges then that rossendales have added? The council were also able to look at rossendales files while I was on the phone to them, does that mean that they are in fact part of the council? I have had many more questions running through my head all day, and as I've come to write this, I can't remember them all! And also, I apologise if it doesn't make sense! My head has been fried today! I'm not trying to avoid this debt, I'm simply trying to do the best I can! The most recent letters from the bailiffs were 'final notices' The bailiff said he will take the £600 that I've got, but it will not stop further action on removal of goods, as it's not the amount he said I had to pay. Any help would be greatly appreciated, as I need to continue trying to resolve this tomorrow Many thanks in advance

In 2009 I took out a Vodafone contract for two Blackberry Storm mobiles, I was 17 but told them I was older, however they didn't check. The screens on these mobiles kept breaking and I kept having to send them off for repairs, they were at the repair centre more than I had them. In the end I stopped paying as I had been paying for a service that I wasn't receiving and wasn't fit for purpose. Since all of that, my debt was sold to Lowell who have got a County Court letter sent out to me. I'm worried that I'm going to have to pay back the money, despite the reasons behind the contract not being paid. I've been trying to contact Vodafone to see if they can do something which may invalidate the claim, but they're useless and aren't interested in helping at all. Is there anything I can do, I'm very unfamiliar to this and have no idea where I stand or what to do. I don't have the money to pay and I don't want something like this on my credit report, or to be taken through courts.

Erudio took over my SLC pre 98 loans last year and despite claiming conditions would not change, they did. I did not complete their form as it requested info they weren't entitled to. I sent a covering letter and proof of income being below the threshold. I heard no news about deferral until a letter arrived to say their form wasn't in line with the consumer credit act, that my account had been frozen, to be rest assured no charges would be accrued, and that they were working to find a solution. 3 months later two letters arrive to say I'm in arrears and requesting a payment of over £1000!!! The whole matter is quite distressing and no matter how hard i try to shrug it off, it's a constant worry. I'm tempted to bury my head in the sand for 5 years in the hope of getting it statute barred. Negotiating with them has thus far only brought me more grief and achieved nothing. Are they likely to take me to court? Legal proceedings in Italy take a minimum of 7 years....

hello anyone i need some advice on how to proceed i was given a car by my mum and i was going to do repairs i registered in the wifes name as it was going to be hers a surprise no less but it was going to be too expensive to fix i got a letter from dvla a tax reminder s called the number to sorn went through the process and thought that was it two weeks later i got another letter to tax or sorn i did process again and thought that was that i then got a third letter stating the same i went through the process all over again. and surprise surprise i am now getting threatening letters from hlsolicitors acting on behalf of sigma red my wife has mental health issues at the moment after a near fatal car crash and this was going to be a gift for her to try and get her back in a car she is suffering depression and struggling to deal with issues i contacted sigma red and told them of situation they told me to put in writing and they would get it written off i sent a letter explaining what has happened and i am still getting letters saying they will take me to court if not paid in 14 days. how do i fight this and what is the best course of action to take the car is now gone as it was going to cost too much for me to repair i was quoted £2500 for repair and value of car on the road was around £800 so was cheaper to buy another car please advise

Not sure if someone else has come across this But I am facing 2 HMRC Issues which shows their non professionalism and inadequacy: Issue One (1): Last year my Spouse was on Maternity for 1 year which included paid, Statuary and Unpaid 3 months of Maternity pay. Since it affected our overall income I rang up HMRC and requested them if we are eligible for any Benefits due but they did calculation based on previous year and said we do not qualify for any benefits as we earned over £32000 for previous year and requested us to call them back later. However few months after my son was born and my wife's maternity finished I called them up again and asked for Child Benefit as our actual annual income for whole year fell below the estimated annual income but this time around guy working out said we do qualify and should've received tax credits HAD we called and Claimed benefits earlier. I disputed that I did call earlier but was given wrong information but he stuck to argument since I never claimed within given months I've now lost out on it. Issue Two (2): I received a letter from HMRC that I currently owe them approximately £500 in tax from year 2013-2014. Problem is that last year when I changed my employment I was charged at Basic Rate so I called up HMRC and told them about my change of job and salary etc and they said they would automatically send new Tax Code into new Employer's System which they did. Now If they are the one who put tax code into system and were aware of all my change in employment details they are responsible for not charging me correctly. Saying that do they have a right to charge me back dated tax for a mistake they made? I've recently read in local newspapers that they have done that with many others this year as they had issue with their computer systems. Can this case be argued and is there a way that outstanding tax be waived off if I put a challenge up with HMRC? Any help will be highly appreciated

Hi, Hoping you lovely people will be able to give me some advice as I'm having terrible trouble with Marsden debt collectors. Around three months ago my Polish girlfriend moved in with me having been a UK resident for around three years) when she did so i told her to switch her details with the DVLA for her address which she did. Having done that it seems she flagged up on Marsdens list for a speeding ticket that had been sent to a previous address, the short version is she had 4 changes of addressing 1 year and was out of the country for several months caring for her terminally ill mother in Poland. she never received the original speeding fine as she had moved and not notified as she wasn't at a fixed address. the first we knew of it was when Marsden sent a letter saying she owes £1055 ! I contacted them right away to find out the details etc.. . and i took my girlfriend to court to make a statutory declaration to say she had never received the fine in the first place, the court said the bailiffs would be notified and the procedure of the court case would start over again. That was the end of it from Marsden, or so we thought. We received her paperwork from court saying we had a new court date (november 4th 2014) of which we would attend and tell them what happened. However today Marsden have been back to our address with very threatening attitudes saying the court hadn't contacted them so they were still under contract to collect. i tried to contact Poole magistrates court but i just get stuck in a round and round automated phone system. i explained all to the Marsden bailiff who called me a liar and said it all still stands. I have a photocopy of the statutory declaration and the new court papers etc.. but couldn't show them as they were with my girlfriend at her work. How can i stop Marsden coming back they said its not up to them to contact the court but at the same time i can't get hold of an actual person to speak to at court ? Thanks in advance, Danny

Received a letter a few weeks back from Robinson Way who were chasing a £450 debt for Capital One card that was paid off 7 or 8 years ago and the account was closed. Wrote to Robinson Way saying the account had been paid up and closed many years ago and if there was any arrears then they would be statute barred anyway. Got another letter today from Robinson Way saying that they had "an agreement from November 2012 with Hoist Portfolio Holding Limited" but Robinson Way would be handling the account and an enclosed letter from Robinson Way with their contact details on it. We've never had any contact with Hoist Portfolio Holding Limited but they do share the same address as Robinson Way. Any advice on how to proceed please?

Hi guys, I've received a letter from Cabot Financial, regarding a Barclaycard debt. They are asking for 10% of the debt of £3500 as a final payment to close account. I'll be honest and say that I don't remember clearly, but I believe this debt is very old, i.e. around 10yrs or more. I don't have anything showing on my credit files, so could you please advise what I need to do? Thank you.

Hello I'm new to this. I had a letter from Cabot chasing a debt owing to Littlewoods for £420.47. I wrote to them on the 7th July asking for information as I did not recall this debt. They have finally come back saying it goes back to March 2008. They have not sent me a cca which I requested. What do I send them now? I am adamant this is not mine. Its worrying me. Can anyone advise please?

Hey everyone. I received a letter today from DWP claiming I owe them £400. I rang them up and they said it was a Social Fund loan and it dated back to September 2011, that it was done via a Girocheque and that it was taken out so that Gas and Electricity could be payed for. I know for sure that this is not mine because I have never had any correspondence with DWP until the letter mentioned and at the time that this dates too I was 18 and beginning University and as such have not been able to even claim benefits in the first place and therefore would have not been able to make a claim for a Social Fund. They gave me the number for the Social Fund helpline so I can get in touch with them tomorrow. I have done a little research and all articles have said that I should tell them to prove that I took this loan out which I know they won't be able too for the reasons above. I just wanted to know if there are any other steps I can take? Thanks in advance

Hi Guys I have just received a letter (redirected from an old UK address of mine) from EOS debt collection agency stating they are chasing a debt on behalf of a Swiss client of theirs. My questions are 1. Should I ignore it? 2. Can I be pursued in the UK by a UK debt collection agency for a foriegn (Swiss) debt? Cheers

I just thought I would check something here. Some time back I was issued with a parking invoice by UK Parking Controls Ltd. I have ignored it for some time and started getting the usual letters from Debt Recovery Plus. the latest one is offers to let me pay my parking invoice by instalments. Surely they need a credit license to take payment by instalments?

I purchased an Orange 1 month rolling contract chip which was £25 per month and included unlimited calls, texts and internet which I thought was ideal as my son likes talking too much. Anyway he decides to call a premium rate number to some chat line thinking it is free and guess what the bill was raised to £100 in call charges without me being informed or a call to say the account has been suspended because of this, I could not even talk to anyone as there was only a mobile customer services which I refused to use. Eventually I contacted them and told them to cancel the contract gave one months notice and did not use the phone until it was suspended. I then get a £200 bill not stating any breakdown of how this has occurred and saying your account has now been suspended. I was shocked obviously I would have to pay for what has been used but not 200 any advice on this would be very much appreciated. Mashmallow:mad2:

could anyone help with this , i have lowell chasing a debt that they purchased from barclaycard some years ago , im fairly certain that this is SB , on my credit file there is no reference to barclaycard there is reference however to the debt by lowell who have been reporting it since 2008. The account was actually opened in 2004 but as there is nothing under barclaycard i believe it to be SB as lowell only started reporting it when they bought the account , have i made the correct assumption on this?

In 2004 I left Australia & returned to the UK. I had an Australian Virgin Credit Card & provided them with my address & contact telephone numbers in the UK. I continued to make payments from my Australian bank account until it was closed in September 2004. I contacted Virgin by telephone & post to ask how to make payments from the UK, no response was received. Correspondence & statements from Virgin also stopped. In October 2009 I received correspondence from Stevensdrake solicitors saying my debt had been sold to Credit Corp and they were demanding full & immediate payment of the debt which had risen to $7208.62. I managed to agree with them that I pay £100 a month but they then wanted it increased to £500 which I couldn't afford. The statements they sent me were irregular and incorrect and they became very threatening. I stopped making payments in 2010 and eventually in 2012 after involving the Australian FOS etc Credit Corp agreed that I could pay the original debt of $3882 minus what I had paid in 2009/2010 in £100 monthly instalments and I gave them my card details to make the payments. They never actioned the payments and are now again asking me to pay the debt in full which is now over $8000 again. As the debt is from Australia and from 2004 do I still owe this debt?

Hi, I have been getting letters from Cabot Financial chasing a debt from a loan I took out over 9 years ago with the coop it amounts to £3790. I am in a Debt Management Plan but this is not included in it. Can they still chase for a debt that is so old?

hi everyone , when you could claim your charges back from your bank I sent in my request to do so but due to the court hearing in 2009 everything changed so I didn't pursue it . ive received a letter today from Santander saying they handing my account over to robinson way . Santander closed my account years ago and I have not made any activity with the account since 2007 and that was only to try and claim my charges back. the question I am asking is , is this debt statued barred , should I try and retrieve the charges again. any help would be appreciated