follow up to prove it letter s77/8

spursdebs

Not sure if I am in the right forum.

This is an old debt which has been sold on several times a little history it was originally a loan with Lloyds taken out in 2003, when my family member whose loan it was had a heart attack and his PPI would not pay out he defaulted on his payments and it was sold on. I arranged a nominal monthly payment for him to pay which we have not missed a payment.

I received a letter couple of weeks ago from GMS Legal Services saying they were acting on behalf of
Zestdrew c/o Lehmans Brothers who I know went into administration in august 2013

I sent of a prove it letter asking for copy of agreement and giving them 12 business days to respond and £1.

I have received a letter back saying thanks as soon as we have the information we will send it to you, this arrived this morning the 12th day.

I have followed it up with a letter back citing CCA act 1974 s77/8 and giving them 14 days to respond.

I have not done this before, I just want to check if that's that now, they can't enforce the debt so I can tell my cousin not to worry any more, which would be welcome news as he has just come out of hospital after his 4th heart attack.

Thanks Deb

wealdroam

You might get a better response from the Debt board:

http://forums.moneysavingexpert.com/forumdisplay.php?f=76

Lots of debt experts over there.

spursdebs

I have posted it in debt forum thanks

deb

mo786uk

After you make a s77/78 request and a number of days has passed (think it is 12) then the debt becomes unenforceable.

But they could come back in 3 years time with the information and pursue you again (although may be statute barred by that time).

spursdebs

mo786uk wrote: »

After you make a s77/78 request and a number of days has passed (think it is 12) then the debt becomes unenforceable.

But they could come back in 3 years time with the information and pursue you again (although may be statute barred by that time).

Thanks that is what I thought, I have sent a second follow up letter telling them that.

Deb