Sorry for the delay in getting back to this thread. Thought I'd better get updated credit files, so far got my experian via MSE and Noddle ones. I'm basing my conclusion that it's statute barred on when I last paid but looking at the Experian result, it shows it as defaulted in 05/05/13 about 8 months further on and also changed over to Lowell Portfolio. Should I still go straight in with the SB letter or use the CCA first? Found some other bits that don't add up with letters coming in when I've been looking at my credit file, something I think for a separate post.

I've been getting bills in order, cutting out the crap like putting phones on sim only canceling gym memberships which aren't used and the like. I've a few debts to deal with and will be getting a copy of my files from all three agencies shortly but one sent a letter recently and I'm fairly certain 6yrs have passed since I last paid anything or communicated with them. Debt is £2686.03 originally with Littlewoods but the letters have been coming from Lowell, one prior to this was an "amazing offer of 60% off" if I settled. I'm assuming they've also figured out 6yrs have passed? Never had a CCJ for this one to my knowledge. Would I just need to send the statute barred letter from the library or is there a particular path I need to follow ? Thanks, Rob