Also what is the likleyhood of Fairfax taking this any further than just letters i.e bailifs (spelling?), County Court Judgement or Attachment of earnings? Because all these sound pretty scary stuff! Akira (thanks again for your replies)

Just to add I did call them last week because they were hassling my Mum as her's was the only number they had. The lady I spoke to on the phone was very rude, arrogant and intimidating and I found it very difficult to get her off the "script" (You know the drill; make payment now in full, court, ccj etc...). What I wanted to know was who the debt was with and for how much. It wasn't until later that evening I stumbled across this site and next day I sent the letter off to them. Akira

Hi all, Sorry in advance if some aspects have been covered elsewhere... I have received 3 letters from Fairfax Solicitors asking for money covering debts which I had in the early 2000's each threatening court action if I did not start a payment plan or pay the outstanding amount in full. The total amount is for just over £10,000 and Fairfax say they are acting on behalf of a collections company called Max Recovery. The debt is split between 3 creditors. I have no idea when the last time any payment was made towards these debts but my Exquifax credit file has these debts as defaulting in September 2003 and no entrys after this date. The Equifax payment information for one of the debts has no information on payments from 2001 to 2004 apart from the "D" for default in September 2003. I'm not sure where I stand on this and I'm not sure how accurate my payment information is on my credit file. I have sent a letter to Fairfax stating that I do not acknowledge the debt and asking for evidence of last payments as I believe it may be Statute Barred. I am still waiting for a reply. Also I would like to know what constitutes as "Evidence of payment". Is them saying that I made a payment in 2005 of £xx sufficient enough evidence or do they need to supply much more detailed information of the nature of the payment; card type/number etc. Regards and thanks for reading! Akira

Ok, thanks for the reply and many appologies for highjaking someone else's thread. I will post a new thread. With ref to your response, the letter I sent was posted on this site and mentioned statute barred. Akira

Hi all, I have received 3 letters from Fairfax Solicitors asking for money covering debts which I had in the early 2000's each threatening court action if I did not start a payment plan or pay the outstanding amount in full. The total amount is for just over £10,000 and Fairfax say they are acting on behalf of a collections company called Max Recovery. The debt is split between 3 creditors. I have no idea when the last time any payment was made towards these debts but my Exquifax credit file has these debts as defaulting in September 2003 and no entrys after this date. The Equifax payment information for one of the debts has no information on payments from 2001 to 2004 apart from the "D" for default in September 2003. I'm not sure where I stand on this and I'm not sure how accurate my payment information is on my credit file. I have sent a letter to Fairfax stating that I do not acknowledge the debt and asking for evidence of last payments. I am still waiting for a reply. Also I would like to know what constitutes as "Evidence of payment". Is them saying that I made a payment in 2005 of £xx sufficient enough evidence or do they need to supply much more detailed information of the nature of the payment; card type/number etc. Regards and thanks for reading! Akira

Hi all, I've been reading your posts with much interest and am quite enlightened by some of the points which have been discussed. I have received 3 letters from Fairfax Solicitors asking for money covering debts which I had in the early 2000's each threatening court action if I did not start a payment plan or pay the outstanding amount in full. The total amount is for just over £10,000 and Fairfax say they are acting on behalf of a collections company called Max Recovery. The debt is split between 3 creditors. I have no idea when the last time any payment was made towards these debts but my Exquifax credit file has these debts as defaulting in September 2003 and no entrys after this date. The Equifax payment information for one of the debts has no information on payments from 2001 to 2004 apart from the "D" for default in September 2003. I'm not sure where I stand on this and I'm not sure how accurate my payment information is on my credit file. I have sent the letter posted above to Fairfax and I am still waiting for a reply. Also I would like to know what constitutes as "Evidence of payment". Is them saying that I made a payment in 2005 of £xx sufficient enough evidence or do they need to supply much more detailed information of the nature of the payment; card type/number etc. Regards and thanks for reading! Akira