I didnt know that I had been issued a ccj, as has been mentioned I think if they could do something they would have done it by now anyway.

Oh that sounds more like what I want to be hearing, great news, so I'll just hold tight for now and see what happens then. Thank you for your input, it seems like you know more of the technicalities of these things. Much appreciated.

That's a great help. I'll send a letter tomorrow, recorded delivery? I appreciate very much the advice and help I have received from this forum on these matters and I will post back with any developments.

Ok. Is there a template for something like that available? I don't want to shoot myself in the foot as it were.

Thanks I'll try that

I've lived at my current address for 10 years and have been on the electoral role consistently for nearer to 15 years so I haven't been hiding away anywhere.

Not checked my file yet. How do I do it for free?

Ok thanks for the advice, I'll await further instructions.

i have just had a response from Erudio about my student loan this is what they say. "We refer to your letter dated 1 August 2014 in which you allege that this debt is barred by statute and therefore that we are not entitled to recover the outstanding balance. Please accept our apologies for the delay in our response. Section 5 of the Limitation Act 1980 states that "an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued" We confirm that an action was brought to this matter within the relevant period, and that judgment was entered against you in the County Court on 20 Nov 1996 in the sum of £1509.25. We are therefore entitled to contact you regarding this debt, and to take appropriate enforcement action against you if you do not make a payment. Contact us blah blah blah....... The loan was issued on the 15th Nov 1995. What do I do now?????

Great thanks again I'll get on it.

OK thanks very much. I'm assuming I should send it to erudio?

Hi I have an old style student loan from the early 90s. I have never repaid any money nor have I responded to any correspondence. I have had a couple of letters over the last two years about my account and have now had one from Erudio. Can I just send them a statute Barred letter to get them to go away? Ive built up a decent credit rating over the last 10 years and dont want the to ruin it for me.

Thanks again,I'll call them back tomorrow and set the ball rolling

What would you recommend as my course of action BRIGADIER2JCS?

Thanks for the advice,I'll let you know how it goes