To Conmankiller,

your help and wisdom has been great and I really appreciate the guidance you have given me in the last 24hours, like i have prev stated you a Hero to an idiot like myself that made silly mistakes

Just to let you now that i am not a bad person, this ll came about because my Brother ( a drug addict who died ) got hold of my bank book and switch card when I was on holiday ( ended up working abroad for 3 months ) and cashed all the cheques using the £100 guarantee card. When i returned i did offer them a settlement and tried to explain wt had happened, to my surprise they did not care and told me to contact the police but the debt remained mine as I should have had better security on my belongings. At the time of this my father was suffering from cancer and was in and out of hospital and i did not want to add further problems on top of my family's shoulders. Family should always come first was my dad's moto.

so I decided not to pay them. Like i have also stated that this was in a part f my life that i have tried get rid off and you have helped put my mind at rest, they still do not now where i reside and by looks of it they are chasing a debt they now they cant legaly collect on.

so in summery

1, the debts fall under the Statute Barred

2, to make me bankrupt they would have to register a CCJ 1st ( but after 6 year this would be difficult )

3, The Demand letter they sent is just a fishing tool to prompt a response of ownership of the debt

4, That you are a very wise person who has save a persons life without even meeting them

regards

PS sorry if it sounds like a sob storry. But I have benifited myself on this.