Hi all, looking for some info and advice here. I live in Scotland. In 2008 I was granted finance for a car that was beyond my means. However I was 18, naive and keen to get on the road with my own set of wheels so went ahead. In 2010 I hit a rocky road, issues with work and personal life. It lead me...

Hi there AAD
hope you can advise me. A few months ago out of the blue
I received a letter from Capquest re an old nat west credit card
that I know for sure defaulted in 2009. However nat west was not mentioned in the letter
the client was named as arrow global. I duly...

Hi everyone,
I took out an iva in jan 2009 but due to redundancy last paypent was in April 2009. The IVA failed court paperwork dated in november 2010. Is the statute barred date from last payment? or from when the IVA failed?
Nearly all have been removed from my credit file except for...

I'm having problems to with shoosmiths.
i have an old debt that has reared its ugly head my fault I no.
In October last year out of the blue I got a letter from shoosmiths on behalf of Arrow Global Guernsey ltd requesting payment on a debt that has a ccj attached to it dating back to 2007....

An HSBC loan I had was with marlin and I requested the agreement from them in 2013 and all wen very quiet...........they acknowledged my request.....then updated me that they didn't have it yet.........then cabot bought them and confirmed they were re requesting the agreement......

Received...

Hi,

I have had two texts and a letter in the last three days from Bryan Carter Solicitors, on behalf of Fredrickson International/Lowell's about an old credit card debt.

It should go to Statute Barred on 15th September this year, 6 years since default.

They...

have Capital One Credit Card (less than £500) never had copy agreement - last payment Sept 2008 so in essence statute barred. Copy of agreement suddenly retrieved by Lowell - copy statements show my £1 CCA fee as payment in November 2008 - the letter I sent with it said "... not be used for any...

Hi this question is not for me but for a disabled friend. I am not sure where it should go. I have to go out now so won't be back till later.

My friend and her ex husband had their house repossessed in 2000. This left an £11k shortfall on the mortgage. I discovered yesterday that...

I have been receving letters from lowell dating back to Jan 14 demanding payment of £1390,97 for a old lloyds bank A/C dating back to 2007. I send them a CCA letter on 21/3/14 requesting a copy of the original overdraft agreement. They replied on 21/7/14 stating that they sent me statement of the...

Hi I recently checked my credit report as want to sort out my debts. It was with the 3 main company's.
Some of the debts defaulted in dec 2008 so not long until become statue barred but looking at my credit report have I acknowleged the debt? I also have debts of unpaid bills and payday loans...

i everyone.. great site



just a newbie here - I have read through a few interesting posts.I was wondering if anyone can give me some guidance?


I opened a vanquis card started on 23/8/2008 online. I used it carefully always paying on time at first then...

Hello there,

I had a debt with HSBC that was sold to dlc.
I was paying dlc for a long time at £112 a month then suddenly back in 2013, around 4 months before the file dropped off my credit file due to 6 year marker they stopped updating my credit file. I lodged a dispute with credit...

Hi everyone,

I first posted about this account in another thread for a HSBC loan account. However as a claim for that account has now been issued and the two accounts are separate, I have started this new thread for this OD account.

This is a current account OD for £1017....

Hello from a brand new member,

Firstly this site seems to be really good from having read lots of threads so far. I'll give details of my situation and hopefully I can be guided into the correct course of action.

Today I receive a letter from Arrow Global explaining notice...

About time for me to start my diary for myself and Mr Battendown.
We're in a lot of credit card debt, in excess of £40,000.
We have a few CCJs between us.
We are in an arrangement with some of the credit cards, and haven't paid the rest for a few years.
Most of the debts are...