I find myself in a similar position to you @terryduff. Recently had a letter from MoneyVillage requesting a financial review. My standing order goes to Spectrum each month, and has done for the last 8 years. We have moved house twice since I originally signed up for what I thought was a five-year plan with Spectrum where I'd be debt-free at the end. I don't have any original paperwork, and I don't even remember who my original creditors were. Feeling pretty foolish for thinking the plan would end my troubles, but at the time, having recently had a baby, and being time/cash poor, I was pleased that letters from creditors had stopped. I am going to send a subject access request today, so that I can see exactly what information they hold about my debt. In addition, I will cancel the standing order. Should I also check my credit report? I always get confused about whether excessive checking impacts negatively on my score - does it count if I'm doing the checking? I would be grateful if anyone else on this forum has found themselves in a similar position, and can advise on my next steps. I feel much more 'in control' of my life 8 years down the line, so I'm ready to sort this once and for all!