Fantastic Rory, thank you SO much. I will get the request off first thing in the morning - Do I only enclose one postal order for £1 or do I have to pay for the other two items I am requesting also? Have had a quick look at the National Debtline website too and feel calmer now

Nope, haven't received anything from them?

Yes, it is - is that good/bad??? (getting worried that the advice is to call national debtline )

Thanks Rory, I will call them first thing and also put a copy of the document here. It could be that the last payment was over 6 years ago. I have seen posts on here suggesting asking for the CCA - is that something I should do? Or is there nothing I can do apart from call the National Debt Line?

Thanks Gizzmo, I absolutely won't ignore it! I hoped that there would be a procedure on here that I could follow on how to get it set aside. Is the advice to call National Debt Line or is there something on here that I could follow? Apologies if I come over as a bit dumb (which I am not!) but this is all new to me and I don't know if I am coming or going whereas the site appears to have many experts who I hope can help

Yes, I am. Jointly with my husband.

Hi Rory What does 'statute barred' mean please? The debt is for £15,000 (not exactly), is an old bank account from around 1994 time and yes, there have been loads of charges added to it over the years. The last payment was made about 4/5 years ago. If you know the thread I should look at to get it 'set aside' would you let me know? Can't scan the doc but could photograph it and add if that would help?

Thanks for your quick reply Gizzmo - I have looked at that thread and it appears to be an outline of bad advice? Am I looking in the wrong place, which is likely as I feel as though my brain has been re-arranged

Hi all I am a newbie here, although know many good things about the forum. I have pm'd a couple of the team who have advised me to start a new thread, in the hope that you can advise me what to do next as my head is spinning. I have this evening been issued a SD by Connaught, a man came to my door at 8.00pm, asked if I was MrsL to which I said yes and he tried to hand me a piece of paper. I questioned what it was, he said it was a SD, I said I couldn't take it, so he left it on my front door step and that was it. I took it inside and lost the plot. Several cups of coffee later, here I am asking for help. From what I have read so far, I know not to call them etc. So what do I do? What info do I need to give here for you to help? I will give what I think below: It was hand delivered to my home address The alleged debt is many many years old. Up until 5 years ago I made token payments to a few debts (on advice of CCCS) and I *think* this was one of them I haven't lived at my home address for the past couple of years but am back there now - I don't think I have had any letters from them but can't be sure as I haven't used that name for almost 8 years, so likely to have thrown mail away (don't shout at me!) The SD has a blue corner which I have seen mentioned It has the name of a court on it It advises I have 18 days to respond (and 21 days for something else) I am certain that interest was still being charged on this debt when I was making small payments, I didn't know about this site then! I am sure none of the above makes sense, my head is a mess at the moment so I truly hope that someone could tell me what to do first so I don't mess it all up. I am sure tomorrow I will make much more sense. HELP! Terrified x