Hi, I know this is repeated constantly on the forums. But I would like the information all in one place. I received a letter today from Belfast Collection Services, for an amount of £1389 owed to Capital One Card. As far as I am aware, this card was paid off over 6 years ago. Now I have read some places that if you haven't been in contact with them, after 6 years it is unenforceable. As in you do not owe them money, this is only the second time in about 5 years they have contacted me, the first time was saying I owed around 600. I do not have that original letter, but I did not contact them then either, as it was fresher in my head that I did not owe them anything. I do not want to contact them, incase they suddenly are owed this money. I have read about a CCA. Should I send this to the company? Or should I just not acknowledge it? I am totally unsure as to what to do , and it is hard to navigate these forums, trying to find the answers I am looking for. Thanks in advance for anything you can do!!! or advise... Jayne

These people called my next door neighbour looking for my mother, who lives 2 miles away from my house! What is with that? Are they allowed to do that?