Lola girl UE diary...newbie!

[Night Monkey]

Congratulations Lola, it's been a long-fought battle. Good to know that it's finally over and you can concentrate on other aspects of your life without this burden.

All the best.

[Sparkles]

That's great news, it can be a long tiring road but it's nice to see people coming out smiling at the other end.

[Pondpaddler2]

That’s wonderful news Lola! So happy for you and encouraging for my journey at the midway point too. Congratulations!

[Lola girl]

Final year 6 update from me…

Tesco - claim with JCS, discontinued

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

HSBC - 25% offer accepted early on.

Debenhams / Link they were still harassing me about the illegible agreement so I sent in a big complaint and they have now admitted it’s SB and closed the account!

MBNA / PRA - sent SB letter. They confirmed SB and closed the account!

B/Card / PRA - sent SB letter. They confirmed SB and closed the account!

End of an era. Nice not to have it in the back of my mind. I am moving home soon and glad I won’t be getting their rubbish letters through the door anymore.

Niddy, thank you. From the bottom of my heart.
I honestly don’t know how I would have got through this financial situation without taking this road and you gave me the confidence to do it xx

Lola x

[Lola girl]

Did the letter do the trick?

It certainly did!!

[XX007]

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

Did the letter do the trick?

[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.

[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/

[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]

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]

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

[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 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

[Kenny91]

Congrats on the settlement, Lola Girl.

I note from your diary entry you were keen to pursue this one all the way, would be interested to find out why you/JCS were confident of seeing them off as this debt almost matches one they have of mine in the amount and account opening date etc. However, no correspondence from Overdales has yet to appear despite lots of threats from Lowell past year or so.

They have been offering fairly decent discounts on this one and two others they hold - one of which Overdales got involved with but then abandoned due to lack of a DN - that are all clumped together in the offer letters, but I'm loathed to pay even a discounted sum on that particular debt.

Also, out of interest, did the SAR from M&S throw up much, especially on why they sent you a cheque out of the blue? I had the same, though for a lesser amount (off the top of my head).

Happy NY.

K91

[Lola girl]

A little end of year update from me.

Settled the Lowell claim for 40% of the amount claimed so was happy with that - thanks JCS for the help!

… I am 5.5 years into my journey now. So far had 2 settled (40% and just under 25%), had 1 claim discontinued. Diary updates on page 2.

The other 3 are due off my credit report soon and don’t hear much from any of them. Could pick up in the last couple of months from SB I guess!

I did complain direct to NewDay about a default date, the ombudsman agreed with me and they will bring it forward around 6 months. They are contacting Link to advise the same so I have had no direct contact at all with Link (the account owner), hopefully won’t set off any SB issue but they don’t have a legible credit agreement regardless so was worth it and I can now get a mortgage ‘default free’ this spring!

To anyone starting out on their journey, hang in there, it flies by and taking control is the best thing you will do…
Lola x