Hi, Not sure if i should send SB letter to be honest just not sure what to do been down this road with debt and it not good dont want to open up problems as im all good now. There not asking for payment on letter it say "In order to comply with our obligations under the Consumer credit Act 1974, We are providing you with this statement of your account". opening balance £xxxx Total payment received £0.00 balance adjustment £0.00 Then further down the letter offering a discounted settlement but no demands or threats

Hi, Thanks for reply Neva move been at same address for 20+ years, is it safe to send it via email SB letter?

Hi, Had a letter today from PRA Group for a 16 year old debt had back in 2002 and they're offering a discounted payment i believe the debt would be statute barred? nothing on my credit file is it worth sending a letter under the Limitation Act? Thanks