Thanks very much. I will send the prove it letter first and keep you posted on what happens. I am just a bit nervous as they are threatening a charging order and bankruptcy

Thanks for all the replys. Could you please tell & show me which letter to send first please. Thanks very much

Hello again, I think unfortunately they may be right that I did pay a payment to Moorcroft as I have found a payment card. It was in cash at the front door.The last payment was february 05. This is no longer on my credit file. It was Lowells that put a default on me not Barclaycard the default has since dropped off. I don't remember getting any other paperwork about default etc but can't be sure. I usually keep most paperwork but don't recall getting anything like that

I am looking for some advice please. I have had trouble with the above company & have tried to tackle it on my own. They are demanding payment for just over £3000. I have sent them the statute barred letter & they have replied saying I made a payment in March 2005. What evidence do they need to produce to prove they can legally collect the debt. I don't want to pay them anything I don't have to as my wife was made redundant recently & we are struggling a bit & I believe from reading they will have paid a pitance for this debt. How can I find out where I stand, if I do owe this company then I need to make an arrangement to pay. I just want some clarification that this Lowell Group are entitled to what little money I have. The original debt is a credit card with Barclaycard taken out in 1997 This is a very informative site, Thanks in advance,