Reminds me of mr bean lol

can't thank you guys enough especialy brig and dx. Its been 2 weeks since the letter, am I being niave in thinking they were fishing and because they got no response they've stopped trying .

im not sure what to do here, i see 2 options ; 1, ignore, ignore, ignore, move to germany hope they don't have enough to apply for a ccj. as i wouldn't have given them an address i wouldn't be able to defend and despute 2, send prove it letter followed by others to drag it out till october, giving them a forwarding address when i move. could i hold them off all the way to october? i appologise for all the questions, im really worried and have no way of paying this.

im worried that after i have moved they will get a ccj against me and i would know nothing till its too late. do you think i should phone them just before i move saying im sick of getting these letters i dont know this person he doesn't live here. no known address no ccj.

i was wondering does the amount owed make a big difference on how much hassel i will get, because this debt is high.

Im thinking I should just ignoring them, i've been reading other peoples threads and from what I understand these companies buy old debts and write in hope of a response, and if you ignore their letters they sell it on again. Is that right? I only need to hold them off till april.

i got my report today and it has really confused me, it says i only have 3 accounts all with the same company 2 of which are setteled. this is true but i have a lot more thats not on, there are at least 4 or 5 defaults this is saying no defaults, i went through callcreditcheck with creditscorematters.com. will experian and all the others be exactly the same as this?

thanks i'll look for it and let you know what it says really appreciate the help

i left the claim for charges, didnt want to bring it all up again

hi happy new year and thanks for your response i got my report about a year ago the date of default was a month after my last payment, im still in england at the moment but i am moving in april its only untill start of 2013 but should be safe by then. BCW letter says they have been asked on behalf of Activ kapital. i moved not long after my last payment i have lived here for nearly 5 years and this is the first contact. do you think i should send the prove it letter now or wait for more letters and stall for time? can they obtain a ccj without giving me a writen warning first?

hi, please could someone give me advice i have received a letter from buchanan clark &wells about a loan i thought was long gone. originally i had a loan with hsbc but after trying to claim back my bank charges they closed my account. i asked them how i can repay my loan they said it had been sold on but couldn't tell me who to. 5 and a half years have passed since i last made a payment and hadn't had any requests for payment. was really looking forward to 6 year point but now i have received 2 letters 1 asking if this is my address (i have moved home) and another requesting payment. i haven't made any contact. my 6 year point is october but i move abroad in april so they wont find me. any advice would be appreciated im worried that while im away they will obain a ccj.