Ok so it was a joint personal loan for £2000 signed in December 2007, the other party hasn't received anything. Payments were ceased due to redundancy and now the claim is for £2441 I have not received a default nor any statements yearly to advise of default sums. It is from Bryan Carter on behalf of Lowells I hope thats answered your questions, I really do appreciate any help here

Hello, I'm new and I have often stalked these really helpful threads for advice over the years, however I can't quite get the answer I need in searching. I am grateful for any help received in advance. I received a letter from Bryan Carter on Friday and also N1 forms on Saturday chasing for an old welcome finance debt. The debt was originally taken out in 2007 and was for 4 years, I made payment for 2 years and then was made redundant - I buried my head and 'forgot' about it. In 2009 I know Welcome went into administration, but I never heard from them again until August 2012, when I received a letter saying the debt was 'satisfied' - no obviously I didn't save this letter because I'm stupid. But now this is the first letter I have had and it's with court forms. Also it only lists me on the court form, but this was a joint application. I am loathe to just stump up this money when I thought this debt was gone. Also on my credit file, it shows a blue s as satisfied from August 2012. I am wondering if I should put in a CCA request, or considering I have now got the N1 forms, whether I have a defence at all or I just have to pay to stop the CCJ? I'm sorry if this made no sense at all. TIA x