tiglet, really, really, really, thank you, thank you, thank you. i'm in my last year at uni and really don't have the energy to give to debt collectors. you've lifted a large weight off my mind. THANKS!

okay - i am a little confused with this templates section. all i can see are templates pertaining to bank charges. am i looking in the wrong place? link, anyone?

tiglet, i love you! i'm off to the templates section now. weeeee!

thanks for your super quick reply and advice. i will send the template letter today. i would have last made a repayment (it was a credit card) in november (or perhaps october) 1998.

Hi. I was wondering if anyone could give me advice on an old debt (1998 ). I left the country at that time and returned in 2005. 0n 18th September 2006 Lowells sent me a letter saying that the debt had been sold to them. I sent them a letter offering to repay £5 per month (I'm a full time student), but they did not acknowledge this letter. 25/9/06 & 2/10/06: Two letters letter demanding repayment. I wrote again, immediately, telling them I require a full breakdown of the debt before any repayment options can be finalised. 10/10/06: Another letter demanding immediate repayment, to which I stroppily responded saying I was trying to resolve the issue but that I wanted details on the debt. 20/10/06: Another letter threatening visits to which I told them they were not legally entitled to do since the debt is considered non-priority and again offered £5 per month. They finally acknowledged this letter. Nov 06: I returned an income-expenditure form and asked for this statement/breakdown of the debt again. Anyway, I never received the statement and now Red Debt Collections (seems to be the same company?) are on my case. What I am wondering is, by writing to them and offering £5 and asking for statements about the debt - is this a formal acknowledgement? Have I started that 6 year statute thing all over again? Or can I just tell them Statute-Barred and be done with them? Many thanks.