Will do. Thanks very much for the advice, I feel a lot better about the whole thing now I have a plan. Take care D

Thanks again for the replies. It's with NatWest, with about £7k outstanding. I'm thinking of doing the cca request with my new address (just cus it made them go away before), and failing that the SAR. I don't have any paperwork for the loan at all. What do you reckon? Thanks again, really appreciate it.

Nope it's from 2008 annoyingly. Any ideas what I should do? Thinking if they haven't done anything about it for so long maybe I could just leave it?

Oh and the owner on my credit file is showing as the bank.

Thanks for the quick replies! So the last payment was over two years ago. No I haven't checked trust online but CheckMyFile says there are no CCJs. Do you think I should send a simple change of address letter? I'm just worried that might be "acknowledging the debt" Thanks again...

Hi everyone after reading online in depth I thought I'd ask here for some help. a few years ago I took out a loan. I got into financial difficulty a couple of years later, and submitted a CCA request to the DCA. They sent back a letter from the Bank asking for photo ID and a signature. I just ignored the letter, and everything went quiet until it was allocated again to another DCA, I responded again and it went quiet. I haven't heard anything for well over a year, but I've now moved house. I'm worried that there could be a CCJ lodged against me without me knowing, say if a summons was delivered to my old address. Do I - a) write to the bank saying I've seen the debt on my credit record and ask for them to send the CCA to my new address, hoping they won't be able to do so (I don't have a reference number so I guess I'll just send them my old address) b) do nothing and hope they've given up c) any other ideas?! Thanks in advance for your help guys...