Thank you both for your responses, At this stage my main concern is that it is only a month before this would become Statute Barred, so by acknowledging this debt I lose that option. One other point to note is that on the "Welcome Financier : Loan History" there is an entry that states "DEBT WRITTEN OFF" dated the 05/03/10, does this mean it should not be chased? Thanks again

Hi All, I'm hoping someone here can assist me with MKDP/Compello/Raven etc. For some time (years) I have been receiving letters from the above to my mothers house about an outstanding debt to Welcome Finance, I was duely ignoring them as I was not aware of any debt. Some time ago I re-registered on the electoral role after getting married and moving to a new house with my now wife, it would seem this meant the "group" knew to send letters there instead. I finally decided enough was enough when the "group" started calling the house, and so wrote them the attached letter. They responded after a few days saying they would supply the requested information which arrived today In the envelope they sent is a signed Welcome Finance Personal Loan Agreement that I had taken out in 2003 and several "Welcome Financier : Loan History" sheets showing direct debit payments that I had paid with the final one on the 22/02/06 (which is when I started University not that this is relevant). Then there is an entry for a "Cash Payment" on the 22/12/2008 which I have no recollection of at all. I guess my questions here and advice I require are: By my asking for proof of the debt mean I have accepted knowledge of it? I believe this is to be Statute Barred this year even working off this dubious cash payment date? Could it be possible this Cache payment has been fictitious added to skew the dates? Thanks in advance, Glenn