Hi I hope someone can advise on what I can do here a quick rundown is as follows in mid 2004 me and my then wife went to a solicitors and instructed them in adoption matters so I could adopt her daughter a few months later her natural father applied for contact, a terms and conditions was signed that stated "adoption" my wife went to the same solicitors and said that the adoption was on hold and asked them to deal with the contact matters move on to 2011 and they took us both to court over outstanding bills they told the court the invoices were for adoption matters, and the judge asked my wife and she said there were no contact matters I had no proof to show it was for contact and not adoption, so the judge issued a CCJ later that year I sent the solicitors a SAR and they eventuly sent the documents These document 100% showed that I did not instruct them in contact matters and the invoices were for contact matters despite what they said to the judge I wrote to them pointing out this evidence, they replied but made no mention towards the evidence I sent them so I wrote again saying, they did not reply eventuly after getting no joy direct with them I applied to the court to set-asdie the CCJ the following day they issued a statutory demand to me, so I also applied to set this aside court hearing was Thursday and their defence was that I should have appealed the CCJ within 28 days of course I knew nothing of the time limits, so the judge had no option but to dismiss my application to set aside the judge could not even look or take into account the evidence that clearly showed I did not instruct them and showed they clearly lied to the court in the original CCJ hearing. the same judge then looked at the stat demand set aside application, and basically as he could not set aside the CCJ he could not set aside the stat demand so this stat demand is still live and I don't know what to do. is there anyway to apply for some kind of injunction stopping them from taking further action due to the evidence that shows I was not liable ? I need to stop the stat demand from doing anything urgently as I understand there is only a short time involved here I should then be able to sue them for damages caused to me over this I do suffer from various health issues and depression and this could put me over the edge thanks

Hi All, I'm new here and looking for some advice. My Mrs recently started getting calls and letters from 'Asset Recoveries UK Ltd'... . She's ignored all so far but today they stepped things up a bit by stating where the debt was from and why she was due to pay it. back in 1991, her and her ex boyfriend had a house with a joint mortgage. They split up and she 'thought' she had signed the house over to him. A few months later the house was repossessed and sold. She does not remember receiving any correspondence from the mortgage provider (Citibank) about any arrears. In 2006 she collated all her debts and went into a 'Payplan' where she pays back the full amount owed, but no interest. At that time there was no record of a debt from Citibank and she even got a local solicitor to search for any debt, so it could be included in the plan. He found nothing. The payplan is due to be paid up later in 2014. A few months ago she started getting calls on her mobile, asking for her in her maiden name, from a debt collection agency called '1st Credit', attempting to ascertain who she was. She refused to provide any information each time. Eventually the calls stopped. In late February she received a letter (at my address but in her maiden name) from a debt collection agency stating she owed £12k asking her to contact them to start payment. It said she would be taken to court if she never responded. It did not state what the alleged debt was for. I threw it in the bin and told her not to worry as any alleged debt from 1991 would be statute barred. We may have had a similar letter since and if so it was filed in the bin. Today (May 2014), she received a letter from 'Asset Recovery UK' stating she owed the £12k for a mortgage repossession and it stated the address of the repossessed property, and also the name of her ex, who she had the joint mortgage with. Again, I would suspect that the debt is statute barred.... but.... . the letter states that the limitation period has been extended as her ex (the co-borrower) has made payments and his liabilty is now paid in full. It says section 29(5) of the limitation act states that as her ex has made an acknowledgement, the statute period is extended for a further 12 years. It also states section 31 states that one party acknowledging the debt, binds all parties liable and thus the limitation period is extended for another 12 years. I've read the relevant parts of the limitation act and section 29(5) suggests that the clock starts ticking again once the debt is acknowledged. Section 31 is a little more ambiguous to me. Parts 1 to 5 suggest that one party making an acknowledgement does indeed does bind any other parties with same responsibilities BUT parts 1 to 5 talk about land claims and mortgage debts. Part 6 mentions a debt (rather than mortgage etc) and states "An acknowledgment of any debt or other liquidated pecuniary claim shall bind the acknowledgor and his successors but not any other person", which to me suggests his acknowledgement does not bind through to her. Part 7 "A payment made in respect of any debt or other liquidated pecuniary claim shall bind all persons liable in respect of the debt or claim"... this suggests to me that the debt does now bind to her. What are the thoughts of the experts please? I'm still in the camp that the debt is statute barred and they are just trying it on. The letter seems to have been hand delivered as there was no envelope, just an accompanying form to fill in about her financial affairs. I've searched with google, but not come up with anything where they are claiming that as the other party has acknowledged, the co-party is now also liable and no longer statute barred.

We have an old credit card and overdraft debt from Lloyd's that we have ignored for a long time (we've been fried by far bigger fish than this over the last few years!). On Friday we received a Statutory Demand, from BW Legal on behalf of Lowells. Harsh (yet effective, I suppose, as I now realise that we can't ignore them any longer). I've had a look through the forums and there are so many threads, but all with different factors and I'm struggling to get it all straight in my head. I hope nobody minds, but I'd like to ask some questions to make sure I understand things properly and would be extremely grateful for any help and advice anyone can give. I have a feeling that this debt is over 6 years old and we have not spoken to or responded to any letters for a long time (I know - daft). How do I find out the date of when this debt became due? If it is over 6 years, does it still stand? The amount is for £3,585.50 and includes a credit card and overdraft. I don't know if this amount is correct (I've had experience of debt collection agencies pulling figures out of thin air) although we have until 23rd April to get this sorted before they start bankruptcy proceedings, would it be wise to ask for a copy of the original credit agreement and a statement of account, to see what the true figures are? Once we get this information, or accept what they're saying, can we make an offer to pay a smaller amount as full and final settlement, or have we lost that chance now? We can pay most of it, as we are owed some money by my parents who are currently selling their house, which they can repay to us once the sale has gone through (which could be within a few weeks, but both sides are dealing with solicitors who don't appear to be in any rush - it's been dragging on for 6 months already!!) can we ask for an extension on the payment date? With regards to getting in contact, should we phone them or send a letter? Do we ask for the demand to be cancelled? I'm afraid I'm a complete debt dunce, so you'll need to speak up and talk slowly Many thanks

Can any one offer any advice RE statutory demand which has been put through my letter box, it is for a credit card debt 3500 , i last made a payment on this card in december 2006. i failed to make payments after that date, i do not know what to do now . any advice would be greatly apreciated.

Hi all, I apparently have an outstanding debt of £237.48 to Shop Direct & now i am guessing Red have bought the alleged debt. I cannot remember any dealings with Shop Direct plus the letters from Red have been addressed to Antony and not Tony as i am called. i have two questions: 1. This is the letter i have received, what does it mean? Final Communication This is the final communication you will receive from Red Debt Collection Services in relation to payment of this account. It is very disappointing that you have chosen not to respond to any requests for repayment despite us offering you on a number of occasions the opportunity to pay a small monthly amount to clear debt. What happens next The next contact you receive will be from a process server who will be serving you personally with a Statutory Demand. If you fail to comply with the terms of a Statutory Demand, Lowell Portfolio Ltd (Lowell) may petition the court for your bankruptcy. Alternatively, you may receive a letter from the court regarding legal proceedings, which Lowell may issue you against you or a debt collections agent who will be visiting you at home to discuss repayment. If you want to avoid any further action you must set up a payment plan now. We are still willing to accept monthly payments of £15. 2. I also have another alleged debt that Red are chasing me for thats around £2000 but its over 6 years old so im guessing it Stature Barred, due to this i have ignored the letters from them. If i decide to pay the above in installments will that indicate that i must of received the other letters as they have been posted to the same address. Thank you for reading. Any help appreciated. Tony.

Advice please needed. I have an ongoing problem with Anglian i haven't paid a bill in 6 years, i moved to a new build, sent in appropriate details of change of address and heard nothing. A few years later on i received a bill address to Highfield rd, i'm Highfield place, passed letter on to correct addresse and found out that they'd been putting my bills in the bin( didn't know my address existed). I contacted Anglian by phone and email explaining this and was told someone would call me back, they never did. Bills stopped then suddenly started getting bills for Highfield rd again. Got fed up by this point, so when they finally sorted it out i have now a bill of £2008.64. Which i cannot afford to pay. I will be calling them again but wanted to see where i stand with this, could i get it reduced for their inability to get my address correct, offer a small amount to pay on the arrears as will have to start paying for normal usage. Any advice appreciated

Sorry to worry you fellas and girls I know you have been swamped with complaints about this company but I have the same debt collection letter from them. I was a user of their service and found due to economic circumstances couldn't afford the cost. I cancelled my membership within the allotted time frame and received a letter back confirming this. I thought that would be the end of it but just recently received a demand for payment for their service. Somehow I had two memberships? and I had only cancelled one. I was hacked last year and the chap from France played merry hell with my pc and used my accounts at various sites and forums I belonged to as well as my e-mail. My question is why would an identical surname address etc not be flagged by them as being a duplicate? and at least ask me if I was the owner.? I can't afford this cost as we are elderly and I am saving up to buy my wife a much needed hearing aid. I believe I acted in good faith by cancelling in required timeframe. I sent a letter to Usenext by e-mail explaining I had been hacked but to date no response. Any help or advice would be much appreciated. smokeypanther

Hi I have just had a letter delivered to me personally by a guy at my door and its a statutory demand under s.268 of the insolvency act 1986. Debt for liquidated sum payable immediately. HELP !! what is this, are they forcing me to go bankrupt ??? it says i have 18 days to apply to court to set aside demand. This if for an old MBNA account that I CCA'd and they sent a copy application form so I have not been paying it - its a really old account ive had it since probably 1990 and its for £14,727. Im really worried that they are going to make me bankrupt so any help would be appreciated. Thanks cw

Hi All, I left work with a popular health service organisation back in July 2013. Over the course of the last week I've received letters stating that I was overpaid for annual leave in July, and the organisation are demanding £410, repayable immediately. They have enclosed an invoice and very crude excel breakdown of the financial aspect of this, although it isn't well presented and is difficult to understand what the calculations mean. I'm thinking that, as this overpayment supposedly arose due to annual leave being overtaken, I should first of all request a detailed breakdown of what they have on file for my annual leave entitlement/taken to make sure that there hasn't been an admin error (although I don't have a personal record of annual leave taken and therfore have nothing to check it against other than my own memory) Assuming that their calculations are correct and I do owe the money, what position am I in legally? I left the organisation over 8 months ago, so for them to demand instant repayment having not mentioned this in the months since I left seems unreasonable -and unrealistic considering I'm currently looking for employment. any advice or guidance would be greatly appreciated with this thanks

I'm so angry right now I could crush a grape I, like many others dont have the opportunity to have our broad band routers in the same room as the TV and sky box so we can have the pleasure of watching on demand TV. So when I heard about this little device I though yippee I can now watch on demand on the TV instead of my laptop. So I ordered one. It came today, I got quite excited, I know, small things please small minds and so on.... So I set about setting it up, then I heard on the sky start up page that existing customers can get them free. Oh I thought, I didnt see that when I ordered. Anyway made a mental note to find out more about it and carried on setting this up. But alas it didnt work. I went online to have a look and see what the problem was. My box seemed compatible as my box was a R008 and all you needed was a R004 or higher, which I had. Hmm I though, I must have a faulty connector box. They do look rather cheap and no bigger than a credit card. It certainly didnt look like it would cost more than a pound to make. Anyway just to make sure I hooked it up on a friends sky box and it worked, however the signal was terrible and interfered with the sky. Moved it nearer to the router and it was fine, (6ft away). This wasnt going to do as my TV is in another room 15 ft away and I cant move the TV nearer the router and visa versa. Hence why I ordered one. So I got sky up on chat as I didnt want to pay for the call and at 5p a min, I didnt want to rack up a huge phone bill as I knew there was a possibility I would have to wait. I explained to this person that the mini box didnt seem to work with my sky box and they said they would send another, I said it was pointless as my box is not compatible and the mini box was ok, but they wouldnt have it even though I didnt want a new box, the conversation went on quite a bit. We also discussed about the payment of the mini box and that I had found out that it was free to existing customers. Well this isnt technically true. If you have connected via an ethernet cable in the past you dont get a free one. How on earth was I meant to know that, dosnt say it in the advert. But at the bottom of the page in small black writing, way way down the page, where you have to scroll down quite a bit and after a load of gumph there it is. The place where you order it dosnt even refer to anything of the sort. Very bad advertising. The chat goes on and I ask what can be done, she kindly offers me to have an engineer out at a charge of £60 to come and set it up for me. That was it I told her not to reorder one (for the 3rd time) and to not send an engineer round. I then decided to call sky, which I know I should of in the first place. It gets worse. I was put through tech support and after checking my box I was told that my box was not compatible She then tells me that they couldnt send me out the one I needed because the stupid person on chat had ordered a replacement. She would have to cancel that and then once that was cancelled they would send me a new one at no cost!!! This could have taken some time and by this time I was getting pretty pee'd off at the whole sorry situation. After this call I checked the website, on another page that took me ages to find, after clicking my way round the site again, also at the very bottom of the page it gives the full details on what you need, on a drop down menu. How do they expect you to find this, especially people who are not very well net literate. Im quite good at finding and checking stuff, but even I had difficulty finding it. My machine is a year out of date. Many are older, so what happens to those people who want to watch demand, oh yeah they would have to pay to get a newer model, Nice one sky My machine is 4 years old, the machine I tried it on to check was 2 years old. A year ago they started making sky boxes with wifi built in. Can you see the irony here??? They advertise this mini box for people who received a skybox 2 years ago, before that you need another mini box or a different set of connectors. So sky, just dont worry about those who have a sky box that is over 2 years old, dont tell them you need a mini box that isnt advertised very well on your website if at all. You just let them waste their time and money on something that will not work and get frustrated, ordered a new one only for the same thing to happen again, or even worse have an engineer out and be told its not compatable for the meager sum of £60 and still be no further forward. They seem to forget those who have been customers for more than 2 years. As for a free box, well I used on demand 4 years ago when it first came out, I happened to move very shortly afterwards, which many people do and could not connect to my router so didnt use it, however because I had onced registered and watched it 4 years ago I wasnt entitled to a free mini box. So, Thank you sky, you have just lost another customer! Not that I think they would care much Thanks for reading my lovelies and if you do buy a mini box you have now been educated on the pros and that 'c' word that I cant use in here. Not the rude 'c' word mind Hello to all my friends in here Im still about somewhere on the net keeping very busy

Have just received a letter through the post today from BW Legal stating that they have tried to call at the house on 2 occasions (both times I was here and no-one knocked at the door) and that they will call again on 4th December to issue a Statutory Demand and will post it if we don't keep the appointment. Firstly, I have never heard from this Company before and other than there reference number, it doesn't tell me who the debt is for? There is a telephone number, should I call it to find out? Can I try to agree a repayment plan? I'm scared witless that I will suddenly lose everything when I thought I was starting to get back on my feet...... If anyone can help me, advice is greatly appreciated.

Please help me - I have received a statutory demand from Connaught / 1st credit for an unpaid loan I had with Lloyds TSB in 2007 - Apparently the outstanding balance is £7700. - I have contacted them but they say they will accept nothing less than £3500 in a lump sum and the rest over 12 months, otherwise they will force me to sell the family home (Its on a joint mortgage with my partner) There is no way I can afford to pay that and have sent them an income/expenditure form to illustrate this. I was made redundant in January and can only offer a token payment until I get work (I have interviews coming up) I have approx £500 due soon which I have also offered them. - They have not replied I have two young children and cannot face the thought of them losing their home ( I have even contemplated the unthinkable - as the house is in joint names and my partner would automatically become sole owner on my passing) I am willing to pay I just do not have the means at present. I have contributed to a private pension scheme and have also contacted them about the possibility of cashing this in, but I may have to wait 3 weeks for this information. Please help, Are Connaughts under any obligation to be reasonable? Will the court take into consideration the fact that I am trying to reach an agreement? I have not slept for nearly a week and have never felt so desperate and helpless in my life. Any advice would be invaluable to me

Hi, we arrived home this evening to a letter claiming that we had been visited on 3 occasions and that whoever they are are visiting again on 9/1/13 to serve my wife with a Statutory Demand. The only thing we can think off that this might refer to is a Cap one CC we had a few years ago which was sold to lowell. 2 or 3 years back we applied for the credit agreement from Lowell and got the usual stuff back from them which turned out to be nothing more than an application for the card, ignored them and now this. Now my wife is on benefits due to ill health (I work) and we have a mortgage with neg equity and a charging order already on the house. What would be the best route for us to go down? Many Thanks Sorry if this is posted in the wrong place....

I am to start the process of reclaiming my bank charges against Barclays on 2 accounts I currently hold. I know which template I am going to use but first I am hoping some of you kind folk can help before I start. 1/ Whats is the best address to send my letter to. 2/ Do I have to send £20 because its to cover 2 accounts. 3/ Have far back can I claim to 4/ Can I reclaim their £22 daylight robbery reserve account charges. Any help would be appreciated.

Hi all, I just wanted to ask a bit of advice. Today I received a Formal demand letter from Past Due Credit Solutions stating that they have been appointed to recover an amount of a couple of hundred quid owed to Bristol Wessex Billing Services. I don't know what the debt could be and I certainly don't think it is mine. There is no other information about to what the debt relates or when or where it was incurred. The remainder of the letter just states how I can pay them which I will not be doing without significantly more evidence that I actually owe this amount. Having read the other threads and taking their advice I thought this would be a simple case of send the "prove it letter" and wait to see what happens. However I have now realised that the surname while very similar is spelt slightly differently (1 vowel difference), the first name is spelt correctly. Should I still send the prove it letter despite the fact that this will reveal my actual surname to them or should I return to sender as a person with that exact surname is not known at my address? I will add that I have checked my credit report and there is nothing adverse to which this could relate. Any advice much appreciated.

Hi everyone Hoping someone can help me with this? It's regarding car insurance i had way back in 2007/2008. I had forgotten i even had car insurance for this particular company who go by the name of ibuyeco(Also known as BGL) because i have no previous corresponding letters from this insurance company. My wife seems to remember faintly but i had no clue of them. I've recently received a letter from Lowell debt recovery agency saying i owe £313.27 for car insurance i had over 6 years ago. I have never received a single letter from Ibuyeco to say i owed any money. S o to receive this letter from Lowell totally out of the blue was a big shock. I've checked my Equifax account to see if there may be a history of this debt i owe but there is nothing to show from ibuyeco or BGL I have phoned Lowell to dicuss the matter but all they are saying is that the policy was cancelled in March 2008 and i need to pay the amount. I may or may not owe this amount, but that is not my issue in all this. My issue is that i haven't had a single letter of correspondence from anyone regarding this outstanding balance for 6 years. No phone calls, no letters, no nothing at all and I feel this is totally unfair for this to be forgotten by them and then to just randomly realize the outstanding amount. Not even try to resolve the issue,a nd send it straight to Lowell to deal with it. Surely this can't be right or fair. So i need to know if i have any rights not to pay this outstanding amount because (A)I have not received any letters in over 6 years to say i owe money & (B) It has been 6 years and i feel that to just suddenly crop up and ask for this money is unfair on me at this moment in time.If it was sorted out at the time then i can understand. Thanks for reading and i hope you can help me

Despite winning the set aside last year in the high court http://www.consumeractiongroup.co.uk/forum/showthread.php?367618-lowells-statutory-demand-**SUCCESSFULLY-SET-ASIDE-PLUS-COSTS-**-CHEQUE-RECEIVED-NOW-** it appears it has looped back to lowell portfolio ltd asking for payment or it will be passed onto lowell financial ltd ! they admitted in court that they were unable to produce any paperwork, didnt respond to cca request etc. i complained to oft etc. how is it best to deal with this guys, thanks

Hi All, Insurance company appointed a claim handler and the claim handler company appointed builders. the work was done for cracks on wall and interior decoration. I was told by the claim handler company that excess will be paid only when you are happy with the work. The claim was submitted as subsidence issue. after few months of work the cracks have appeared back at the same location. I have been going on with the claim handler please fix it properly. when you are asking for subsidence excess you should fix the subsidence issue instead of decorating the house and fixing the crack with filler. The claim handler has now agreed to continue the monitoring work for movement. Yesterday I recd a letter from the builders to pay excess in 7 days. Was wondering what all my options are before I talk to claims handler and builders. Many Thanks Billy

I have just received a demand for payment for an account I am supposed to have held with Lloyds. I never held an account with Lloyds in my name. The only one I can vaguely recall is perhaps one with my then-partner. They give account number and amount but no other details. What should I do?

hello, I hope someone can help me. I recently ran a business as a sole trader which unfortunately did not work out. One of the suppliers is still owed nearly £7,000 and I don't have the money to pay them. They have sent me a letter saying that if the money is not paid within 7 days they will issue a statutory demand to me and also one to my wife as she is deemed to be responsible for my debts too. They have also traced details of her from Linkedin and found that she is a bank manager and also know which branch and are threatening to deliver the statutory demand for her into her branch. She does not know about the debt at the moment and it will make her very worried and cause her serious problems at work. my questions therefore are: 1 can they chase her for my debt in this way? 2 is this harassment to call at her place of work in this manner? 3 what can I do about this? Thank you for any help

Hi All My wife has received a SD from a solicitor acting for a collections company (originally Lloyds credit card) We did communicate with Lloyds and requested an original copy of the credit agreement but they never replied. We been away and have returned to find this SD with only a few days left to respond. I'm looking for a way to stop any further action as we are struggling due to issues with property going back several years. Long story short we have 5 properties that we rent out and had some very bad luck with a few tenants that's left us in severe debt on top of buying our last flat at the end of the property bubble in 2008 (we had intended flipping it but had to keep it). About ten years ago a friend was defending a court situation regarding a a credit card, a loan and some other minor debts. He was told by a debt management company that there was some kind of law preventing certain actions being taken against him if the action would prejudice other companies he owed money to. Does any one know if this applies to SD's? We can't deny owing the money because we obviously do but there's no way we can pay this at the moment. When I say our situation is serious we have had a debt advisor calculate that we are currently about minus £600 per month due to the property situation. And we can't sell as most are in negative equity or would just break even. Any advice on how we can avoid further action would be most appreciated even if it's that we should offer £1 per month. Thanks

Hi All , I have just received a statutory demand from Lovell via BW legal stating that they have bought a debt from Lloyd bank . I have always denied owing this amount to Lloyds(£3000) and asked them to take me to court to argue it . this so called debt incurred as they decided to cancel my overdraft . I came to an agreement to reduce the overdraft by £50 per month initially and was managing fine , then they changed the rate of repayment to £100 per month which I could not manage and assigned some ludicrous amounts in overdraft excess fees to my account and debited these even if it meant I would be over the limit but did not hesitate to reject direct debit for mortgage or utilities (I was at the time receiving family and child tax credit.) i have been reading the forum and need some help with the following points . What is caa and who do I send it to ? does anyone know if the Lloyds compliance department is still in Chatham and is it the best address to send the SAR.? finally , I will need general help on how to proceed as I am well out of my depth Many thanks for your understanding Remi

I have relatively no experience with dealing with these type of affairs so i would like to humbly ask those with more experience to check if I'm doing this correctly. I received a Statutory demand from BW legal, which was served personally by a woman who came to my door, explaining that she didnt know what was in the envelope that she gave me. It turned out to be a statutory demand. Following the advice on this forum, i went to my local court yesterday and submitted an application to have the demand set aside. I am now waiting for the court to contact me. In 2012, i submitted a CCA letter and a £1 to Westcot Credit services asking for all the documentation, they replied stating that the £1 be made payable to the creditor HBOS. I subsequently replied with another £1 made payable to HBOS. No reply was received so i sent a reminder. 2 months later i wrote again by recorded and sign for mail, this time stating a CCA non compliance letter. I heard nothing after that. This year in June 2013 it appears that Lowells Portfolio 1 and BW legal (who i think are the same company) have purchased the alleged debt from HBOS, which i believe is not allowed as the debt was in dispute? I have applied to the court to set aside the statutory demand and given copies of all the correspondence given to the original creditor HBOS and their DCA Westcot. Have i done everything right and is there anything else that i need to do? My apologies for coming across as a noob, but the truth is I am

Hi all, I was yesterday served with a Statutory Demand from Lowell (BW Legal) Two debts are listed on the SD, a catalogue I took out probably 10 years ago with Littlewoods, the second one a credit card I had with Littlewoods Personal Finance (underwritten by Barclays). The Littlewoods (Shop Direct Finance Company) debt claimed is £4021.20 and the LPF card £426.05. I stopped paying the debts in/around April 2009. The dates of default were 12 July 2010 for SDFC and 1 October 2010 for LPF. Lowell's state the debts were assigned on 31 Juy 2010 (SDFC) and 29 September 2010. I am a full time mother with no income of my own, my house is jointly owned but there is little/no equity in it. If Lowells want to petition for my BK they are wasting their time and money and will not recover their petitioning costs. I have read similar posts on this site but just wanted to check my thought train in correct in proceeding forward as I would prefer not to be made bankrupt. The LPF card limit was about £250 but is now £426.05 so I might be able to dispute on the grounds of charges (the debt has nearly doubled). The letter with the SD states "may" instead of "will" numerous times so whether they actually follow though I don't know but I am aware this odious company operates on scare tactics and issues petitions and I don't really want to take the chance. Should I now: 1. Issue BW with an immediate CCA request (using the template letter and enclosing £1) sent Recorded Delivery? 2. Write to both Barclays and Littlewoods with SAR requests (is the fee a total of £20) or just do the CCA and put the ball in BW's court? 3. Should I make a token offer of payment and ask BW to withdraw the SD? 4. Should I apply to ask the Court to set aside the SD (given that the default dates were nearly 3 years ago) on the basis that it is an abuse of process (a "fishing" trip?). Given that the Littlewoods debt is so old, is there a realistic possibility the credit agreement will still exist. If the debt is unenforceable, the SD will be invalid anyway because it will be less than £750. Any advice appreciated. Thanks v much NC

This is my first thread on this site, please can someone advise me. I recently received a council tax demand for over payment of benefit (over £1000) relating to an address I lived at over 11 years ago. The letter had my surname spelled wrong, and it did not state a date for the period in demand. The letter states that I have to arrange payment within 14 days or face a debt recovery process. Any advice will be much appreciated.