Hello everyone and anyone, I wont bore you with my life story but I made some silly mistakes years ago and was left with a couple of credit cards and a student overdraft with which I had no means to pay. I went abroad for a while and just haven't bothered with any form of credit since my return recently. The debts were at a relatives house and after he got sick of telling the DCA's I didn't live there he just started chucking the letters in the bin. Very few are received nowadays, however, he has informed me of the most recent one which is from Bryan Carter Solicitors and basically says on behalf of Fredrickson International and Lowell Financial they will soon be commencing legal action. I have no paper work and I'm not really sure if its even the credit card or overdraft they are after as the figure seems a lot larger than what I remember for both. However in regards to my credit cards I know for certain I have made no payments or had any contact since early 2007. The overdraft is roughly the same however it might even be the end of 2006 when I last used the account. I have considered checking my CRA file but I haven't even used a traditional bank account since the 2006/07 previously mentioned and don't really want to fill in my current address with the CRA's if anyone will be able to get hold of it (will they?). I have been reading with interest all the information all over this site and especially in regards to statute barred debts and whilst I am pretty sure the credit cards are barred by now the overdraft is a little more fuzzy. Should I just send off the letter stating the debt is statute barred anyway? Thanks for any help.