Hi everyone, Ive spent a fair amount if time looking through the site to try and find something to help me deal with this on my own but I became concerned that I may send the wrong letter and end up in a lot of trouble so thought it best to start a thread with my own individual case. Anyway, back in January 2008 a default was placed on my credit file by Lowell portfolio regarding a capital one debt. Since then I have matured financially and now I do not have any debts and my credit file is nice and clean, the default "fell off" in January this year due to it becoming statute barred, but I have now received a letter from Bryan Carter LLP Solicitors stating that they WILL issue court proceedings on 08/04/14 if the debt is not cleared. Can they do this? Do I need to send a letter stating that the debt is statute barred and therefore unenforceable? I'm quite concerned now as I am a homeowner and do not want this to affect my home. I have never acknowledged any debt with lowell or fredrickson international ( I have ignored them all to be honest as I knew it was due to become statute barred when they began chasing). Can anyone help please, with either a template, or do I just ignore them as I am starting to get quite anxious! Thanks in advance