Still have the letters folks. Feels good to have scored after having them 'huff and puff' for a few weeks. I wonder how many people were targeted though and how many didnt have the right support. One war at a time I suppose.

Again, many thanks for the information and support.

Gerard

Surprise surprise folks. I received a letter from Red Debt that 'after further examination it has now become apparent' that the account is 'subject to Section (5) of the Limitation Act 1980' and they have closed the account and they wont be sending further correspondence. A duplicate letter arrived in the same mail! Just for the record, I didnt contact them at all and ignored any letters. Many thanks to everyone for the information that let me do this.

Just reached the Red Debt stage today re a Barclaycard account from around 10 years ago. I'm going to try responding with the template letter and see what happens. Many thanks for all the info.