Thanks for the replies. I do have an old 3 Mobile debt but have agreed a payment plan with Mackenzie Hall/Lowell/Red so it can't be that. My question is should i call them and ask them, but can of worms springs to mind or write to them asking them. Thanks again

Hello All, I received a letter from the infamous (Apparantly) Graham White obo Roxburghe acting on behalf of HFO Capital demanding £400 odd pounds, is it worth ringing them asking what it is for, shall I ignore it or don't know. Never heard of HFO Capital - some advice would be great and much appreciated. Thank you:)

I have at last woken up and decided to pay my debts, totalling 7.5k. I have written a SOE and Personal Balance sheet and am now in the process of writing to all creditors that I know I have a debt with. Can anyone point me in the right direction of what to write, i.e a can afford X per month ?? Also some creditors letters are so old, some over a year, is it wise to contact them (i'm not trying to avoid anymore) just need to know if debt gets written off after a period, there seems to be many conflicting answers. I hope that makes sense. Thank you.