Hi, I have an old Bank loan from the early 2000s that I was making small payments towards until about a year or so ago when I ended up out of work. I think it was with Lloyds but I forget now as I had a lot of debt at that time and paid off a lot of it but not all. The balance is £3,7xx. Having receieved a lot of letters from Cabot since I stopped paying (which I foolishly ignored) I have now received a letter from Shoosmiths saying that :- "your agreement with our client is terminated and our client requires your proposals for payment, in the short term. PLease treat this letter as notice that , unless an agreement is reached within 14 days of the date of this letter, we are instructed by our client to commence court proceedings against you ....." They say their client is cabot financial and the original lender is Prime CRedit 1 s.a.r.l. I am wondering whether it would be too late for me to go down the route of sending them a CCA or such like as although I was making payments for years I'm not sure Cabot ever had authority to collect on the debt, but at the time I was too scared not to make an arrangement with them. I'm not even sure if cabot even had authority to pursue my debt or whether they simply bought it from Lloyds when Lloyds contacted me to say they were writing it off, but I had wanted to make payments anyway. I'm back in work now but struggling each month as I have 2 young kids now. I could start paying again but it would be small amounts each month, whereas the letter suggests they want full payment. I'd appreciate any advice. I went through the whole CCA procedure with an old debt and they never responded and I heard no more about it, but I wonder whether it's too late for that here since I was making payments for a few years. Many thanks.

first of all - I managed to get another case dismissed back in August thanks to the fabulous advice on here - this latest query is a wee bit different though. My wife has just received simple procedure paperwork today from Arrow/Shoosmiths for a supposed Aqua credit card debt. This is going to be fun as the paperwork was addressed in her maiden name and to an address that she was not living at the time the card was taken out - the address being next door to where we currently live - yes, I married the girl next door! we were married and she had been living with me for over a year prior to this card being taken out - and neither of us know anything about it. personally, I suspect that this has been fraudulently taken out. We have a very open financial relationship so it's not a case of her hiding anything from me. The Sherif officers have delivered to our current address in error obviously assuming that there had been a typo in the address. I can prove that she moved in over a year prior to the card being taken out. She can prove via her banking that she has never paid to an Aqua card. Also we can prove that we were married at the time and that she had changed her name. How do I proceed with this one?