Awesome! Sorry about asking twice about my course of action, I just wanted to make it absolutely clear before I proceed. I will call Lloyds on Monday and send the Letter to Mortimer Clarke the same day and see how it goes. Thank you all again for advice. I will post on this same thread with how things proceed. Cheers!

What exactly should I write them? Please prove that I owe you money?

Thanks for all the replies! I am absolutely sure that I had made no payments or acknowledgements since 2007 as I was not physically present in the country. So, as far as I understand, I should send a SAR (with the 10£) to Lloyds? Could someone please point me to or draft up a quick step by step on what exactly I should do and how I should proceed? Cheers!

Hi, I have recieved a letter today from Mortimer Clarke Solicitors, stating that they are solicitors instructed by Cabot Financial and are instructed to start Court proceedings against me over a debt. I have not seen anything from Cabot Financial at all, didn't even know they existed before today, and now i get a letter saying that they are taking me to court? The letter states that i owe Lloyds TSB 931.39 pounds. From what information i have, the only money i have ever taken from Lloyds was a 50£ overdraft back in 2007, as i had left the country in 09/2007 (and returned in 2009) - this is the first ever communication I have recieved since then in my name. The credit reports in my name state that the debt was defaulted in September 2008, so, technically, it will become statute barred only in September. Is there anything I can do about this apart from coughing up? As over 900 pounds seems unreasonable seeing that no payments or acknowledgements have been made since 09/2007. Thank you for any advice.