Lola girl UE diary...newbie!

[Lola girl]

Hi all - thought I would do a year 6!! Update for anyone following my thread.

If you are starting your journey hang in there. It passes really quickly!

Tesco - claim with JCS, discontinued

M&S - claim with JCS, settled for 40%

HSBC - 25% offer accepted early on.

Debenhams - with Link. They did issue a claim before action form a few months ago but I contacted them to say I had only received an illegible agreement and did they want to provide a proper one. Nothing further received yet and was SB in August.

Barclaycard - with PRA received regular email offers of 65% off up until around 6 months ago then all quiet. Was SB in August.

MBNA - with PRA receiving regular email offers to settle. Was SB in August.

Lola

[stuckinarut]

Hi all - thought I would do a year 6!! Update for anyone following my thread.

If you are starting your journey hang in there. It passes really quickly!

Tesco - claim with JCS, discontinued

M&S - claim with JCS, settled for 40%

HSBC - 25% offer accepted early on.

Debenhams - with Link. They did issue a claim before action form a few months ago but I contacted them to say I had only received an illegible agreement and did they want to provide a proper one. Nothing further received yet and was SB in August.

Barclaycard - with PRA received regular email offers of 65% off up until around 6 months ago then all quiet. Was SB in August.

MBNA - with PRA receiving regular email offers to settle. Was SB in August.

Lola

Hi Lola girl, yes the 6yrs does fly past, great news you have made it to the end, like so many others on this site, Niddy deserves a knighthood

[Lola girl]

Hi everyone.

I passed the SB date on my 3 accounts in September (6 years flew by!) and PRA have now passed 2 accounts into OPOS Limited who I assume will now go through the usual letters asking me to pay.

Would the advice be to just ignore them as I have with the previous collectors they have referred to and only send a SB letter if anyone gets litigious? Although PRA have had these accounts 6 and 4 years now and haven’t taken any action so far!

thanks

Lola x

[Ballister]

My BOS debt (sold to SARL/Link) became SB in August 2025. I recently started getting phone calls/texts/emails from Link so decided to send the SB letter. They closed the account a few days later after agreeing it was SB.
It's up to you but I just wanted it done and dusted.

[Lola girl]

My BOS debt (sold to SARL/Link) became SB in August 2025. I recently started getting phone calls/texts/emails from Link so decided to send the SB letter. They closed the account a few days later after agreeing it was SB.
It's up to you but I just wanted it done and dusted.

I think I will send a letter soon as I have kept a record of everything and know that it’s defo SB.
Do you have a blank copy of the SB letter you could send me (or post here so I can copy!)

thanks

[Ballister]

I wasn't sure if the template letter on here was still up to date so I used the one on National Debtline. Here is the link

https://nationaldebtline.org/get-inf...cover-debt-ew/

[Sparkles]

If you are absolutely sure it's statute barred then sending the statute barred letter should shut them up, they are just trying to fool people who don't realise that it's statute barred. The only reasons not to are if you aren't 100% sure it's statute barred or if you like seeing them waste their time on you.