thanks for the advice, I will phone them in the morning and see what they say, I will post again tomorrow once I have more info from them.

The client is Leeds city credit union and the solicitors are Wilkin Chapman LLP, the letter states that when calling to ask for the credit union team so I presume they are the LCCU's solicitors.

yes, I get a statement of account a couple of times a year and I have also checked my credit file which shows payments are being made.

Hi, I got behind with a debt to a credit union a few years ago and was subsequently taken to court, I was ordered to pay £50 per month which I have been doing regularly ever since via direct debit. I have just come home today to a letter from a solicitors acting on behalf of the credit union demanding payment in full within fourteen days, it is quite a large debt, about £9000 but I have never been contacted by them since asking me to up the payments or anything so I just kept paying. I tried phoning them straight away but they were shut, just looking for some advice before I speak to them tomorrow. many thanks

Thanks for that, I have paid nothing to anyone regarding this debt in the last six years and have had no contact from anyone regarding this until now.

Hi I have just been contacted by a debt recovery company rent arrears from a private landlord who we rented a property from which we left about 6 years ago. at the time I lost my job and we got into a lot of financial difficulty and the rent was one of them, we moved out of the property in May 2008 and went to stay with my mum for a few months to try and get sorted, we then moved into a new rented property in October 2008 but the landlord is trying to claim that we were still there in October and so adding another 7 months of rent onto the rent arrears we already had. When we moved out in the May we put the keys in an envelope with a letter stating that we had vacated the property and put them through the letterbox at his home address but he is still stating that we were there till at least October. we have no way of proving that between May and October we weren't in the property, I can't get a letter of proof from my mum as she died two years ago and this is the first time he has been in contact for the arrears since we moved out. I have the tenancy agreement and it was an assured shorthold tenancy for 6 months from July 2005 to January 2006, after this we just kept paying the landlord each month via standing order until we got into difficulty, there was no renewal of the tenancy. the debt collector is now phoning us at work and coming to the house saying that the landlord is going to take us to court if we don't pay the £9500 he is asking for. I really need some advice as my wife is distraught, we have spent the last 6 years trying to get back on track and clear our debts which we were well on our way to doing and now this, I don't shirk my debts but I won't pay what isn't owed. any help would be greatly appreciated.