Personal Loan 2002

Teen57

On my Personal Loan summaries, I have also just noticed that there are 2 bank accounts/sort codes for this case.


Why would that be? I only ever had one account with Nat West

fusionx212

Teen57 wrote: »

Thank you kindly for your reply.


Upon looking through my paperwork (I hope you can make sense of the following) -


- On the 17th May 2010, MSB Solicitors (who were acting on behalf of CCCS) became my representatives.


- On 24th May 2010, MSB Solicitors issued an application to strike out the Particulars of Claim with Nat West


- On 13th August 2010 a hearing had been listed to take place at Liverpool County Court. My attendance was not required as advised by MSB Solicitors


- On 4th August 2010, I was forwarded a copy of an Order which was received from Liverpool County Court from MSB Solicitors. The Claimant withdrew their claim and thus I was informed that matters were now concluded and that their file of papers were shortly closing by MSB Solicitors.


Looking at the information above, I can see why now that I thought the case was all finished.


There has been no contact with Nat West's Representatives: Drydensfairfax Solicitors for 2 years, even though they say they have been attempting to get in contact, which is rubbish!


I have also just been through my Personal Loan summaries and the last one I received was 11th Feb 2011 to 10th Feb 2012. I have not received anything since.


Going by all the information given above, I am not sure if this case is considered a statute-barred debt.

if it is in black and white, with a court document to also prove this then it's done and settle,

ask them to send you a provit letter with original cca and state you dispute this fully.

do everything in writing and see if you can contact step change in the mean time as they were your mediators.

Teen57

I am a little confused still, forgive me for sounding stupid, but are you saying that Drydensfairfax do not have a case against me?

fusionx212

Teen57 wrote: »

I am a little confused still, forgive me for sounding stupid, but are you saying that Drydensfairfax do not have a case against me?

Teen57, they do not have a case if your documentation states court action is to cease.

they do not have a case also because it is not enforceable in court via ccj or any other means because it past the 6 years statute barred dates as you have responded or paid anything towards this debt saying accept liablilty.

it's a cat and mouse game, they are doing one last ditch attempt to get you to pay.


whilst I can see you have a solid defence\argument get a debt charity to help clarify for you also.

I am sure Stepchange will clarify for you also, Don't panic.

Teen57

Ok. Thank you so much for all your help. I will get in contact with Stepchange as well. Feeling more relieved!!!