Dibs UE Diaries

[SaltnVinegar]

Re: Dibs UE Diaries

Account type: Comet Store Card by Time Retail Finance
Defaulted: 2003
Sold to Aktiv Kapital 2003

This is now with the PRA group and having received the Hello & pay us letter, I sent a new CCA request on Niddy's advice.
They have replied stating that they currently have no paperwork for this account and accept that it is currently unenforceable in court, however, they require my payment proposals by return, or they may put in the hands of a third party collection agency!

I would also make a copy of that letter in case you lose the original - thats as much as admission that you're home and dry to SB

[Pixie]

Re: Dibs UE Diaries

They have replied stating that they currently have no paperwork for this account and accept that it is currently unenforceable in court,

That's great news Dibs

Keep the letter very safe and make photocopies of it to send to anyone who PRA puts on to collecting the debt.

[daisy]

Re: Dibs UE Diaries

Thank you all for your sound advice x

[nanna58]

Re: Dibs UE Diaries

Agreed keep that letter very very safe xxxx

[nightwatch]

Re: Dibs UE Diaries

I agree with SW, let them pass it along then we wait and see what they send. file that letter safely away xx

[Still Waving]

Re: Dibs UE Diaries

..... who will be able to do nothing but hassle you with empty threats.

(File that letter for safekeeping.)

[daisy]

Re: Dibs UE Diaries

Account type: Comet Store Card by Time Retail Finance
Defaulted: 2003
Sold to Aktiv Kapital 2003

This is now with the PRA group and having received the Hello & pay us letter, I sent a new CCA request on Niddy's advice.
They have replied stating that they currently have no paperwork for this account and accept that it is currently unenforceable in court, however, they require my payment proposals by return, or they may put in the hands of a third party collection agency!

[nanna58]

Re: Dibs UE Diaries

Well you can only do what you can xxxx

[daisy]

Re: Dibs UE Diaries

Hello IF, that's very kind of you and thank you for asking.

I'm still paying for an old CCJ, but it's just a token amount each month, as I refuse to pay more unless they go back to court.

The other one is an old debt from Comet, which AK have, this one still bothers me, its over 4k and I only pay them £10 a month, it keeps them quiet, however, I don't particularly want to keep paying them indefinitely, but I also don't have any money to offer as a settlement, so on it goes :-(

Dibs

[IF]

Re: Dibs UE Diaries

Hi, just checking if everything is OK?


Best wishes
IF

[Never-In-Doubt]

Re: Dibs UE Diaries

It"s finally happened, five debts statute barred last month and best of all three of them are Cabot's :-)
Cabot/ Fire sent a letter last month still arguing that the debt was enforceable without a signed agreement, so I replied stating that I begged to differ and have received a reply stating that it is unenforceable, after all this time of arguing and it's now irrelevant as it's statute barred!
A huge thank you to everyone that offered so much advice and support on this journey, I really couldn't have done it without you.
Just another two debts to deal with :-)

Brilliant

[greymatter]

Re: Dibs UE Diaries

Thats great news

[cardiac arrest]

Re: Dibs UE Diaries

Congrats...time to celebrate....

[IF]

Re: Dibs UE Diaries

Brilliant news Dibsfbd, well done......love good news me

[Deepie]

Re: Dibs UE Diaries

That's great news...well done