Threat of 14 Day Notice to Issue Claim Form

[spagbog]

Hi

Have a debt that has not been acknowledged, nor a payment made, for 5 years and 10 months. Have had various letters from a 'solicitors' about it (1 in 2020, 1 in 2022, and this newest one) but they have never sent me all of the paperwork I've requested, nor have they answered my complaint about irresponsible lending - yet still I have this threat of pending court action.

One of the many issues is the copy of the original credit agreement. On the original, it clearly states that the Ts & C's reference xyz123 (as an example) form part of the agreement, yet the Ts & Cs they've sent me are xyz345, yet they claim, what they sent, is the original agreement...Does this have any bearing at all?

I've written back to them explaining that they haven't sent what I requested, nor have they answered my complaint but I'm very worried they will push this to the court anyway.

Thoughts?

[MIKE770]

you wrote back effects statute barred (their tricks?)

[spagbog]

you wrote back effects statute barred (their tricks?)

Pre headed with 'I do not acknowledge any debt etc'

[echat11]

When was the account opened?

The document they sent is it compliant?

Is the agreement they sent reconstructed?