Hi all, I am new to the forum, so if I have posted in the wrong place sorry. I have had some letters from Link Financial Outsourcing Ltd (Caerphilly address) regarding an old Clydesdale bank loan my wife and I took out back in 1995. It was originally for £1300 but there is an outstanding balance of £886.23 on it. Got a letter from them a bit back saying that they had taken it on or something, then in August last year got a statement of account letter. Nothing from them since this. we have been to the CAB in regard to other debt as well, getting them to negotiate with all our creditors to accept token payments at the moment. Started back in Nov/Dec last year but they have not heard back from Link. Was just checking the statement of account from link again today and noticed something funny about figures. The interest being charges was being added as CREDITS, reducing the debt rather than adding to it. OPENING BALANCE (01/09/2009): £886.23 CLOSING BALANCE (31/08/2010): £882.93 CAB suggested we start sending token payments even though heard nothing from them. I had not come across this forum at the time of going to CAB. So there has been a letter (along with a budget thing) offering token payment has been sent already. Suggestions, comments, advice welcome.