Hi sorry to sit on side of this thread but am unable to start new one. Long story: Feb 2001 default on credit card registered. default dropped off Feb 2007. This morning got a notice from creditor, This Notice is being sent to you as required by the Consumer Credit Act 1974 because you are behind with your payments Details of last two payments- either missed or only partial payments recived:- Nov 08 Dec 08 nil paid Default sums and interest You may have to pay th default sums and interest in relation to the missed or partly made payment indicated above in addition to any default sums and interest already included in this notice. When I phoned this morning advised to ignore it as no longer enfocabel last contact with me in May 2000 and the Government has made them do this to all old accounts with balances on them. Any ideas?