Thanks once again for your advice, it has brought peace to mind that this can be resolved by sending them the letter. Thanks again.

Thank you for that reassurance. Would an old CCJ change things?

You have no idea just how big a relief that is to learn. My thanks to you both for your help and advice and I will send the appropriate letter today, even though today was their deadline for a response! Oh just one more question, if a CCJ was issued back nearer the time which has subsequently dropped off my credit file, would that change things? Quite paranoid following the panic now!

Not sure if I sent my reply the correct way, but it is shown on the thread

Hi, thanks for taking the time to help me. At the very latest, the last payment would be 2001. There is no mention of this debt on my last credit search which was about a year ago. The letter was sent by clarity on behalf of arrow global who were not the original lender. They have offered a 25% discount to resolve.

Hello, I am new to forum's but I have read the previous entries and I feel you can help me. Like many people I too found myself in the unfortunate position of losing my job and unable to continue paying off my loans, rent etc approx 12 years ago. I did pay a visit to the CAB at the time who told me they couldn't help me and advised me of the 6 year rule! I have now got my life back on track but I am ashamed to admit I took the advice concerning my larger debt of £14k. I have moved address several times, not on purpose to avoid anyone - just how life turned out, and I have heard nothing from my lender nor have I made any contact or payment. I recently had cause to check my credit rating and no CCJ's were present. Over the weekend a friend of a friend passed on a letter sent to my last address by a collection agency seeking payment. I have read about the statute barred and I probably fall within this category but I do have a dilemma. If I were to respond then I will be acknowledging receipt of their letter and possible further action. I could choose to ignore it as I no longer live at the address to which the letter was sent, however, I am in such a panic now and worried how this could affect my new life. I am still in the unfortunate position of not being able to pay this debt but I now have a home and family. Can someone please advise me of the best course of action to take? Your help is very much appreciated.