Thanks Rory32, I'll send them a statute barred letter and await their reply. Does that generally work tho? Shola

Hi there, I recently received a letter from lowells to the effect that a debt from HSBC has been sold to Lowell for the sum of £950. the debt is for an overdraft from 1997, my students days unfortunately. some points come to mind 1.) the amount outstanding is incorrect as a sum of money was paid off that in 1998/99, and also the amount itself was full of bank charges. 2.) is there a statute of limitations on the dates they can chase from 3.) they're not the original loan holders, it appears to me that they bulk buy loans cheap and pursue them. are they allowed to do this 4.)theyve threatend court action if i dont enter an agreed repayment plan by next week. 5.) the letter arrived yesterday yet is dated from the start of the month. is that legal? any help on how to deal with this, ie structured steps would be awesome. I've got some debt from my uni days pre 2001 that i think needs to be addressed decisively so i can move forward thanks x