BrightFuture Debt 2 --- £6511- 1stCredit - Loan in 2007

[brightfuture]

Hi everyone

 

Thank you all for doing such a fantastic job you people are awesome!!!

 

So heres debtnumber 2 and brief story for all those who wants some backgorund info

 

So my story.... I used to work for HBOS plc (Halifax) as an IT specialist.

 

In July 2007 During my time at HBOS I became severely ill with encephalitis (similar to meningitis) which left me disabled and stuttered and completely inaudible amongst other symptoms. As a result In 2008 I was let go by HBOS after 8 months of SSP - due to my long term sickness.

 

Unsecured Loan 2 - From HBOS - £7000 (Home Improvements) 2007

 

Last payment was in late 2007 possibly early 2008 - my records are not great during the period of my illness.

 

So I recieved a letter last month from 1st Credit Saying :

 

**Limited Discount Opportunity**

Pay only 5% of the debt - £325.55 for a debt of £6511.

 

So I'm thinking I applied on my PPI in 2007 to have these loan payments covered and I believed it was settled.

 

Now 1st Credit allegedly own the debt.

 

Easy option Pay them?

 

Them i'm thinking its statute barred anyway - It must be because no payments must have been made after 2007 - 2008 as I was in a coma and there was no money left in my accounts..

 

Should I reply to them with a CCA request? Denying al Knowledge of the debt..

 

Is it worth the effort if it takes a year for them to disappear ...

 

Also the debt doesn't show on my Noddle credit file.

 

Advice please. Thank You

[renegadeimp]

Chances are the debt is well and truely SB. Theres obviously something wrong with it as it was sold on AND you are being offered a massive 95% discount. This usually happens when the debt is completely unenforceable but the DCA is so greedy, they are determined to get whatever they can from you.

 

If you are sure its SB, then send the SB letter to them. If they are stupid enough to say you made a payment in the last few years, then you know its bogus and can start complaining. They will have no knowledge of anything to do with the debt apart from the number they see on the spreadsheet. Use it to your advantage.

[SabreSheep]

CCA the new owners

 

Full subject Access Request on the original creditors

 

Tell new owners Statute barred. See what they come up with

[renegadeimp]

I wouldnt even bother with CCA. SAR the OC if you think theres any reclaiming to do. Its obviously a lemon debt. Just send the SB letter and tell them to sod off.

[theoldrouge]

I wouldnt even bother with CCA. SAR the OC if you think theres any reclaiming to do. Its obviously a lemon debt. Just send the SB letter and tell them to sod off.

 

would have to agree

 

SAR to HBOS for all your accs with them, seems like reclaims to be done

[brightfuture]

Thank you all for the fantastic immediate replies. SAR request on it way shall keep you all posted. Thanks again