Hi all I have spent a lot of time reading posts on this subject and I am slightly confused. I hope you can help me. Apologies if this is old news...or an old query! I received a payment request from Lowell Financial for T-Mobile, and ignored it. I have now received red letter from Red Debt Collection saying that the debt has now passed to them. This debt is definitely statute barred. I have checked my credit file and over the past year, Lowell have been making unrecorded enquiries on my credit file, which mean nothing but they have been searching me. I am considering sending them the letter that is on the templates page saying I dispute the liability which is over six years. Furthermore I have added the line stating I do not acknowledge any debt. Should I send something or should I just continue to ignore it? This debt has not appeared on my credit file to my knowledge so I am loath to even send the letter as it looks to be an admission of ownership to an extent: "The last payment of this alleged debt was made over six years ago and no further acknowledgement or payment has been made since that time. " Should I ignore or send the letter and head them off at the pass? Any advice REALLY appreciated.