Hello, first timer here.
I got a call from Global Debt Recovery last Wednesday, i confirmed my name etc and then was told that they were acting for Lloyds Tsb, and that i owed £5323.41 plus interest of £3518.49 accrued over the last 10 years.
I admit that i had a Lloyds account, but when i moved away in 2000 i opened another account with another bank and things have been good, i thought that i had got my life together. I had payed off several old debts through various companies and had had no correspondence with Lloyds at all, even though i had a redirection of mail when i moved. I assumed that maybe the debt had just been written off, but then 13 years later i got this bolt from the blue.
I received a letter on Saturday with details of the debt and a computer screen print out apparently supplied by Lloyds, with the address on it that i lived at 13 years ago.
Should i try to find a lump sum or make a payment plan or just offer them a lower amount?