Ok, thank you, I really appreciate the guidance.

Thank you for your advice. I'm worried that replying will open up lines of communication and I will get drawn into the situation and make it worse. If I ignore it can they do anything further than send me letters now and again?

Hi there, I have received two letters today from Lowell addressed to my maiden name (married/name change 2004). Both letters say the following (both are for different credit card providers): - We're contacting you about an account that we have purchased from (credit card) which was opened on (date). (Credit card) have sold the account to us as there is an outstanding balance which they have not been able to recover. This may be because (credit card) did not have your up to date address details and therefore you were not in a position to discuss the account with them. We have used the services of a Credit Reference Agency and the have provided your address to us. Therefore we would like to confirm the information we hold is correct and up to date. Please call us straight away where one of our account managers will be more than happy to help you. Etc. I know that both of these accounts passed the six year cut off at the beginning of 2012. There had been no payments made or contact with them, by letter or telephone etc during the six years since the accounts went into default. What should I do? Ignore it, since it is out of date or send them a letter? Really appreciate any assistance you can give me with this Many thanks