Mine has just gone in the bin as well!

Thats definitely very interesting about the fact that the debt cannot be revived. I wasn't certain about that, but that link seems to clear that issue up nicely!

You may find my thread on this at the Money Saving Expert forum of interest -: forums.moneysavingexpert.com/showthread.php?p=61315039&posted=1#post61315039 I've posted more information on what I may do about it, over there

Yeah I thought they wouldn't bother making a concerted effort either, but a bit of googling does show that RBS/Natwest are making proactive efforts to reunited customers and cash. A bit weird, I know, but it does seem to be happening. I've decided to wait until the debt is statute barred and then contact them to see what they've got to say for themselves. Might be a nice surprise, might not. What I did wonder though, is, if its a method to try to contact us to get their money back from us, then wouldn't the FOS deem it unfair to send a letter to us saying "there is a possibility we may owe you a refund" when the bank KNOWS this isn't the case? Just a thought!

Hello! I've had exactly the same letter, and under the same sort of circumstances (that as far as I know I owe them money not the other way round). My debt is due to be statute barred in about 3 months so I won't be contacting them until after that to find out! I'll be VERY interested to hear the outcome of this!