Hi thanks for the response, I'm almost certain she's mixed up the dates as we've just checked on Experian & noodle and it doesn't show up so maybe that's why there offering her 50% off it as they know they have no chance of getting the lot.

She's checked her credit file and nothing has showed not even the actual provident loan shows up. she's almost certain its June/July 2008 when she got the initial loan..to take her and her ex to cream fields which is in august every year. But she's not 100% sure.

Hi thanks for the response:) Its for a provident loan. I've asked her about it ad she cant remember how long ago it is actually from but we've been together coming on 4 and half years so its quite old.

Hi there my partner has been receiving numerous letter from Buchanan Clark & Wells but this letter that came today has got her worrying. Here is the letter or some of it. Dear XXX Despite repeated requests for payment etc. etc. in the sum of £435.00 remains outstanding. Accordingly ,we now consider the possibility of further action on your account. options open to us would be to consider: I)Application to court to obtain a county court judgement/decree. If successful the balance could then be subject to further fees and costs being applied. II)if a county court judgement/decree was granted and if it remained unpaid then they could apply to the court for further enforcement action, such as attachment of earning/earnings arrestment or a warrant of execution. You can still prevent the above action being taken by contacting us immediately, to discuss a solution to this which will take account of your current financial circumstances. We are prepared to help you in clearing the debt by offering you the exceptional opportunity to settle on highly favourable terms. We are willing to accept £217.50 in full and final settlement of the outstanding balance, and you may even be able to spread the payment over several instalments. etc. etc. to take advantage of this unique opportunity. any help would be gratefully appreciated as my girlfriend is flapping and due to being 29 weeks pregnant could really do without the added stress. Thanks in advance Brian