I will do that. What should be done about the second letter? Also I want to send it international signed for but there's no name on there to send it to…any idea?

Ok so the letter turned up & basically it's a verification letter addressed to me at my mum’s address from Buchanan Clark & Wells not saying anything about who the debt is to (though they do use a reference number which looks suspiciously like my old cc number…erk) I suspect the full details are in that 2nd letter they sent. Advice as how to go on from here?

Gah,I suppose I’m just worried in case any possible 6yr period hasn't elapsed. Anyway,it’s 7pm here now & I’m going to enjoy a cheapo bevvy or 2 because it's Saturday & I’ve had a nerve wracking week so enjoy your weekend weekend guys

Aw no I had my hopes up for the Reader’s Digest now I know I’m driving you lot mad with this & I feel like I owe you several tipples of your choice… I would like to know though,say a CCJ had been obtained at my old address (the original one I mean,not my mum’s) this might be trying to collect on it possibly,right? All of this is exactly why I would never advise anyone to do what I did…I found out I have a conscience too late in life:-x

Sent by airmail apparently! I don't know,it’s the first time in 10 years anything has turned up *there* but I had no accounts registered there,I wasn't living at this address permanently for another 10 years prior to that. It would’ve been easy enough to track me there though as it was the previous address I used when opening the accounts.In my head all I really want to do is just let whoever it is know that I’m living out here & not there…for starters. I should be so lucky to win on the Reader’s Digest lottery or whatever it is…

Hi guys. Still waiting on the post today & I know you've told me countless times not to worry but it's just that it's the first time in 10 years since I left that this is happening,and I know that there's no limit to the letters they'll send there. Mail has never gone missing to me from the UK before,this is a fine time to start:-(

Still no sign of this letter. I think I’ll have to see if it turns up tomorrow & if not then think about what to do

Sorry you must think I’m a right pain in the whatsit with all this. Just hard to think clearly at the moment. They only left it a week between sending 2 letters so I’ve no idea when they might send another. Keep your fingers crossed that this time tomorrow I’ll be back in with something a bit more concrete.

Update: still waiting I know it was posted the end of last week so if it doesn't get here tomorrow I’ll be even more worried than I already am I really hope they don't send anything else there in the next few days or even worse a doorstep collector or something. Ugh.

That back translates as: " Stop that stupid, please go away. If you have evidence that you are legally enforceable obligations, please provide this." I do like the first part in particular but I have a feeling that I will probably be back on here asking for a template with slightly more appropriate wording!

Ahh,that has just made me smile. I hope I can sleep a bit easier than I have been doing. Just take a deep breath & wait to see what tomorrow’s post brings.

It worked but you should try using it for more complicated things,it makes you sound like an absolute loon…

About scanning: Not an option I’m afraid as she doesn't have a scanner & isn't very tech savvy. Besides I’d really rather her not open the letters just in case she has to send them back. Unclebulgaria & Cerberus,thank you both again for being so patient with me on this. I’ll hopefully be back with news of what the first letter says tomorrow around this time. It's already 8:30pm where I am!

Letter didn't come today so I’m really hoping it does tomorrow. Post usually takes about 5 days or so to reach me. I was all psyched up to start dealing with it when I got home from work tonight too. What do you think I should do about the second one that arrived at the old address yesterday in the meantime? Get her to return it to sender now or wait?

Thank you unclebulgaria. I wonder if it would do any harm to give them my address here though. Just to make sure everything comes to me. I have plenty of stuff to prove I have lived here at this address since 2003!

I hope that's all it is really. But saying they had CCJd me in or before 2008,that would mean it's still open,as it wouldn't have been 6 years from then yet. So could they send people round to my mum’s address? I’m not sure yet which creditor it is but only one afaik so far would’ve known that I’d moved abroad. I didn't tell any of them I was going so I wonder if I’d have problems setting aside any judgments. My main worry is that if there is one & it's still active then they could be going the bailiff route to collect.

Thank you renegadeimp ( good name btw!) I just can't help being a worryhead with all this. I know it's hard to say but if they had CCJ’d me at my old address ( the shared house one where I was living until 2002 when I left) would this mean that these letters are chasing up on that? Again sorry for being a big old pain. I know you guys are taking time out to advise me on this. Hopefully the first letter should reach me tomorrow,I really want to get this cleared up.

Aagh,I just spoke to my mum again & she asked me if I’d got the letter yet,as another one arrived today there looking like it's from the same place. I told her not to open it until I receive the first one,I know I know I have to wait & see what it says & all but I reckon I will ask her to send it back to them or something. One thing on the timeframe,just to clarify,I left in 2002. If they got a CCJ against me then they would’ve had until 2008 ,not 2006. Sorry that was my mistake with the dates there. This would mean that if they got one in 2008 it's not been 6 years since then. It sounds like an agency might be chasing up on it or something,2 letters from the same place a week apart. I just don't want anyone to keep sending letters to that address as it costs my mum money to keep on sending them to me here.

Thanks again Cerberus. I’ve no idea of the time frame that companies use before issuing CCJs but I guess if they've already pursued all other options it wouldn't be long. I can only hope that if they did then it was in 2006 or before then so it wouldn't be enforceable or whatever,sorry for being a pain if I’m using the wrong jargon.

Thanks Cerberus,I’m just worried that if they have got a CCJ in the past at my old shared house address then it could be regarding some kind of visit to my old family address. It's scaring the life out of me,I’m sure I did a terrible day at work today. As I said I’m not even in a position to check my old records out as I have no credit card to use.

First of all this is my first time posting here although I’ve been reading for a while. I do apologise in advance as this is a bit of a confessional. Please believe me before reading,I know I’ve been an idiot,more than any of you could imagine. Background first,I’m living in Asia now,ex UK resident. I’ve been living here for 10 and a half years now. Before this I was living in a shared house far away from my family home for 10 years. During that time I racked up quite a lot of debt,all of it unsecured. Long time ago now but under 2k on a credit card, under 1k on a store card & about 200 pounds left on an overdraft. I was paying it all off ok before I came out here but I hit problems just before I did. I hate myself for what I did but I ran away from the lot pretty much when I came out here. I wish I hadn't. None of the companies pursued me at my family address (where I hadn't lived for 10 years,I left there as a student)-all of it took place while I lived away from home in the UK and the last address they would’ve had for me was the shared house I lived in,though I would’ve given them the family address as my last permanent address when I applied etc. Only one company (the store card) contacted me at my family address by phone (I think the landlord probably gave them the number when they tried to contact me after I’d moved abroad)& my mother gave them my then address out here. I was contacted by a collection agency with offices here. Then I entered into a dialogue via email with them thinking I would try to solve it but long story short I didn't as I moved to another city where my expenses were much higher. I heard nothing more,nobody tried to trace me to my new address where I’ve been living for 9 years now. None of the other creditors have so far tried to contact me at my family address but I know they must’ve done at the old shared house. They probably all took out CCJs against me there,I see no reason why they wouldn't have done. Now last week my mum called me & said there was a letter addressed to me there from a PO box in Bristol which I just know is bad news. In a panic I just told her to send it on to me here. It should reach me in a day or so by my reckoning. She knows nothing about any of this & I’m so ashamed,I really think I need to sort this all out now. I’m so WORRIED,what if the letter said collection agent or worse bailiff is going to call there? I just want to at least let them know where I am now I think. It really needs to be done. I can't check online for my credit files or even check online for CCJs as they need a card payment & one good thing about living here,I have no debt of that sort as it's hard to get them & besides I don't want them. I know I can't do anything until I see that letter but my nerves are on edge. I deeply wish I’d done none of this. I’m sure I’ll be back posting here with bad news in the next day or so.