Hi Andyorch Thanks for the reply. My address hasn't changed since the original SB letter from 2018 and it's correct on the recent letter they sent out to me, so i'll do as you say and file it for now. Cheers BM

Hello everyone I've received a letter from Resolvecall on behalf of Intrum UK Limited for an outstanding Halifax debt. Letter reads as follows "We are acting on behalf of Intrum UK Limited servicing for Intrum UK Finance Limited Limited and have been instructed by them to assist in collecting the outstanding balance on your HALIFAX account. Please contact on of our agents who can provide information on all of the options available to you based on your individual circumstances. In the meantime, you can manage your account online at myresolvecall.co.uk or see the reverse of this letter for our payment options. Failure to contact Resolvecall within 7 days from the date of this letter will lead to personal visit being made by one of of our representatives to your home. The purpose of this visit is to assist you in contacting us to discuss your account." Now as far as i'm concerned this debt is statute barred as I had the same kind of letters from 1st Credit back in 2018 which I went through which ended with me sending the standard SB letter and 1st Credit replying that they disagreed with the SB and they would request statements from the original creditor to back up their claim and would forward these to me once they had them and in the interim no further action would be taken against me by them. However since 2018, I've never heard anything back from them so assumed that they were unable to get such statements and had closed this off. I'm assuming that as 1st credit have now changed their name to Intrum they are rolling the dice to see if they can bully me into acknowledging/paying this SB debt. I have the SB letter ready to be sent out to Resolvecall as i've read that if i just ignore them they could end up getting a backdoor CCJ added but just wanted to check that this is the right course of action. Thanks, BM

Quick update on this. I've had a letter from 1st Credit Legal Department stating that they believe the debt to still be active and not SB'd as a payment was made in June 2012. they say they've requested statements from the creditor to substantiate the claim and they will forward onto me once they receive them. They then confirm no further action will be undertaken until the statements have been provided. Time to play the waiting game and see if the statements can be provided but I know for a fact I never authorized any payments into that account. Cheers BM

I'll get that sent out today and see what they come back with. Thanks for all the advice

No I never authorized any payments into that account and I didn't have debt management plan in place at that time.

i've just got off the phone with HBOS account services who then put me through their collections department who confirmed to me that the account in question was closed by them in 2010 and not 2011. there was a payment made to it on 25/06/2012 (not sure who that was from, it wasn't from me). They then confirmed that they sold the debt to 1st credit in November 2013. As I've never acknowledged the debt or made a payment myself should I send the SB letter or because there was a payment made in 2012 is debt still in force?

OK, i'll get it fired off to 1st Credit and see what they come back with. Thank you all for the help so far .

OK fantastic, just wanted to make sure . Should this go to 1st Credit or to Moon Beever?

is this the one to use? http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Statute-Barred-Letter-**Update-28th-October-2015**

I have received letters from 1st credit in the past about this offering me discounts if I pay X amount now and they will forget the rest, TBH I've just ignored them as I thought they were just phishing as I thought the debt was SB.

just got off the phone with HBOS and according to their records the following are linked to me; A card cash account which had a balance added to it of £50.93 on 25/6/2015 (I thought this had been closed a long time ago, so this is a bonus) A current account (which the letter from 1st Credit/Moon Beever is referring to) which according to HBOS was closed on 17/09/2011. The person I spoke to couldn't see any notes about it being assigned to a debt collection agency, i'm not sure where 1st credit have got the date 18/11/2013 as assignment to them from HBOS. There was also no notes about the balance at point of closure or a last payment date. They couldn't send me out any information, I need to speak to Account Services in the morning and they will be able to send me out the information. Where do I go from here? Are 1st credt/Moon just phising on a old SB debt, hoping that i'll get scared and pay up?

Yes i've moved 3 or 4 times in the last 10/12 years. No I don't think HBOS are aware of my current address. It's only 1st Credit/Moon Beever who have contacted me about this and would have got my address from my credit file/Electoral Roll

I don't think it's a credit card, if I remember correctly it would have been a current account that I had a large overdraft on, as I was a student then.

OK, i'll give them a call first thing, thanks

OK, is there a standard letter template for things like this? According to the letter from Moon Beever I've got 30 days from the date of the letter to return the Reply form and the Standard Financial statement back to 1st Credit.