Dear all, I have read all the info regarding the letters from Pace Forward as I recieved a letter from them on 13/09/10. The same standard letter as some of you guys got. I was in the process of sending them the standard letter as suggested then today I recieved a letter from Rockwell. Within this letter they had a ref no and stated I owed £3200 to Tessera Portfolio Management with the original lender being Lloyds Black Horse. The letter stated I had ten days to pay the debt otherwise they will take immediate action. I had a loan from Lloyds around 9yrs ago for £3000 having paid off around half of this. I then got into financial difficulties and defaulted on my payments. I haven't had any contact with anyone regarding this debt for around 4yrs. Can anyone advise what the next course of action should be from me? Should I send Rockwell the letter? Thanks in advance for all your help.