So to spell it out, your saying wait for them to file a claim for a CCJ, contest it on the basis they have no WRITTEN proof that the payments were made by me. As far as i can see, none of the debt agencies ask for written confirmation so this rule could apply to anyone? I'm assuming its a high risk approach apart from giving them a call, telling them my situation and setting up a monthly contribution? i really dont want to do this with a CCJ hanging over me- another 6 years!

How can I prove I didn't make them though. The debt people didn't talk to her. I wish it was game over tho.

My mum used to make small payments on all my debts as i wasn't living at home but the post was going here. She eventually stopped when she ran out of money. Sad i know (I'm 36 now) I'm 99.9.per cent sure because defaulted cards used to show payments in 2013 on my credit report before they fell off late last year. How can i find out if I'm wrong?

Thanks for the hope. Have attached their letter less identifying info. shoosmiths.pdf

Can I request this over the phone. Worried if I post it then they will start court proceedings

Thanks for the prompt reply. Debt is just under 9800. Loan was originally for 25k i think. I don't think HSBC they added any excessive charges as i remember them being pretty understanding. I don't have any assets and live with my parents. ( Marriage failed as i couldn't buy a house and in laws security etc blah blah)

Hi all At the end of April, my last bad debt falls away from my credit rating However i just got a letter from shoosmiths ( debt already gone from my credit report) saying that 'If we cannot agree during the next 14 days how you will repay the amount outstanding to Arrow Global limited, we will issue Court proceedings against you for the full sun outstanding together with legal costs. We will not contact you again to warn you that the proceedings will be issued. They have been sending letters in bursts over the years but I've been ignoring them, this one seems like the end of the road. - out standing sum is just under 10k - i cant afford to pay or even offer a lump sum at the moment - it's a loan taken out in 2006 and I remember signing the agreement with HSBC. - I'm nearly 99.9 per cent sure i have made payments in the last 6 years -I don't want to ruin my credit rating by another 6 years ccj - Should i call them? If i ignore this letter how likely are they to issue Court proceedings? I rather pay them 20 quid a month ( currently not working) then have a ccj