EOS solutions

boo_star

!!! wrote: »

You need to send the SB letter by post.
Recorded delivery.

Not recorded, normal with proof of postage.

BlueManc10

Thanks. I'll get a letter sent tomorrow then. Thanks for your responses.

[Deleted User]

boo_star wrote: »

Not recorded, normal with proof of postage.

Either is a suitable means

BlueManc10

So. Bad news. They've received my letter and they are saying I made a payment in July 2014. So the six years has not yet elapsed. I've asked them to send proof of this in the post. But think I may have lost the battle once I receive the proof. I don't recall making his payment but I'd assume I did as they wouldn't be just saying this.

I would imagine there's nothing I can now do but pay? As I can't really prolong until July 2020

[Deleted User]

Long shot but have you changed banks?
If not you can go back and ask for older statements to check.

BlueManc10

I've not changed banks and have just looked through my statement for July 2014 and I cannot see anything on there that looks like it would be a payment to them? But if they have a statement showing I have. Would it be my word against theirs?

[Deleted User]

They would need to tell you the bank account the payment was made from

BlueManc10

Well. This is where I think there may be a plot twist incoming. I believe back then I may have been in a debt management plan and they were making my payments for me. I paid everyone off and then closed the plan and welcome was my only outstanding debt. I agreed a settlement but when I heard they went bust I didn't pay it. Stupid I know. But if my last payment was by a debt management company how would this work?

[Deleted User]

It will count as payment to the debt unfortunately.

Thus resetting the clock.

BlueManc10

So I'm going to have to just pay aren't I? And because I've messed them about and argued the toss they're not going to be in the mood to accept a settlement offer?

8 months is far too long to drag out and see out the six years.