Thank you Both for taking the time to reply and help me, I really appreciate it and it has put my mind at rest. I feel much less worried so Thanks again.

Awww Thank you No Definately nothing on my credit file about this because i needed to do 2 credit checks for 2 mortgages which i applied for since 2008. Can they do nothing then? Can they give me a ccj? Should i send them the statute barred letter? Thank you so much for replying.

Hi, Thankyou for your reply do i need to send them a letter to tell them this? thanks

Hello, 2 Months ago i recieved a letter from Global Debt Recovery. As my credit is now good and i do not have any outstanding debts which i know of i was curious and worried so i stupidly called them. An agent on the phone asked me to confirm that i was the person who the letter was addressed too which i did. He then preceded to tell me about an apparent debt which i had with TSB over 11 years ago which i have heard nothing about since having banked with then all these years. I told him that i was unaware of any debt and that i wanted some proof of this. A few days later i recieved a statement from TSB which showed a debt of £423. I never called them back but as you can imagine i have since had phone calls and letters from them every week if not more frequently. I have not contacted them since. Today however, i recieved this letter which has made me feel very anxious and worried. Please can anyone advise me what is the best thing to do as Global Debt Recovery are saying i owe £748! "Dear Miss xxx Client FV-1 Debt Due £748.49 We are today instructed to recover the above debt from you. We are unaware of any reason why you have witheld payment. Contact us immediately to discuss repayment or your credit rating may be affecetd in an adverse manner. Yours Sincerely, Collections Deptartment" Please can someone advise? All help will be very much appreciated.