So today I have received a settlement offer from them despite no confirmation that I am the person they are looking for. Apparently the debt is for c. £2700 from Aktiv KapitalGoldfish (I have never had a Goldfish account) and they are prepared to settle for £900. How kind of them. Ignore?

I am actually looking foward to their next letter now

Good point. Hadn't thought of that! Quite likely they will do this too.

Thanks Brigadier! Will await further contact.

Hello I have received a Verification Letter from Buchanan Clark & Wells today- "We are trying to contact katypie with regards to a private matter We have confirmed your address through a credit link obtained via a credit reference agency as being the same person who lived at the original address above. Please contact us on 0844 BLAH quoting the above reference number and one of our operators will be available to take any relevant detals to resolve the matter. If you believe that you are not our customer, please contact us as soon as possible to enable us to amend our records and remove your address from our system file." Doesn't say what it is about. Would I be right in thinking this is phishing and I should just ignore it? Anything it could possibly be for would be statute barred by now. Thanks!

I have received a letter from them today- Pre-Visit notice- Call us or we will assign someone to call at your house etc. What should I send them?

Thanks for all your advice. Still haven't had a letter. More texts, last two were worded differently from the ones before and came from a different number and have had one more robot phone call. Might look into blocking them because it's getting a bit tedious now.

Thanks for the advice. They have only phoned my mobile so far and I will definitely not be answering it and allowing them to try their jedi mind tricks on me.

Thanks! Did think it was odd- if they had my address surely they would have sent me a letter?

Since last Thursday, I have received 3 texts from Scotcall saying "you have failed to contact Scotcall, please contact us on blah blah quoting ref blah blah". Then today I had a missed call from them and a lovely robot left a message saying "This is a message for Katypie please contact Scotcall on blah blah". Now, this is the first I have heard from Scotcall. No letters, just texts saying I have failed to contact them. The only thing I can think it would be for is an 8 year old debt. Should I ignore these texts/calls and wait to see if I get a letter?

I received a letter from Fred's today in response to my prove it letter stating that they are no longer instructed in the matter and have returned the account to their client (Lowell's). Presumably I will start getting threats from them soon?!

Well my letter was signed for today. So just have to see what they come up with now.

Well I will wait and see what happens next. I'm feeling a lot calmer since I sent the letter before. Thanks everyone for your help. You are all fantastic and have made it possible for me actually sleep last night!

So if they get a solicitor to send me letters I can send them a copy of my letter to Freds stating the account is in dispute?

Well I posted my Prove it letter recorded on the way home. Got home and would you believe I had a letter stating if it wasn't paid in 7 days (dated 20th april) they would take court action. I presume their moving so fast would be due to it being almost statute barred. Hope my letter gets to them in time.

I think Lowells gave it to Freds. I will put the Prove It letter in the post (Recorded) today. Would it be worth sending one to the PO Box and then another to the Registered Office address? So if they come back with proof, I can then send the statute barred letter? Sorry to ask so many questions

Ok so I should send the prove it letter now then instead? Where is this letter? Then once they have responded it will be statute barred anyway?

Ah so they have to send me a standard warning letter first? Lovely stuff

I have just noticed on the postcard I received today that it was dated 14th April. I am now worried that they will have already passed it for court proceedings before I can send my statute barred letter

Thanks so much.

Thank you! So do you think I should fire off the letter now? Send it recorded delivery to the PO Box and date it 26th?

I've received a letter last week from Fredrickson's saying they know have my debt from Captisl One. Today I got a yellow 'Confirmed Resident' card from them saying if I don't contact them to pay they will pass it to a solicitors for immeditate litigation. Having checked my bank statement, the last payment I made to them was a cheque that was cashed on 26th April 2004. I haven't had any contact with them since and haven't acknowledged the debt though I have ignored a few letters. It should be statute barred in 4 days? Should I just hold fire until 26th then send off the standard letter? Thanks, having a bit of a panic.