Ive got a letter to send today.. can anyone look at it for me to check im not being stupid?

2nd letter came through today. Suggests 50% discount if I respond by start of feb. Vague threat about possible CCJ if I continue to ignore. Would they send a letter like this if it wasn't statute barred....?

Forgive me if Im talking nonsense but I read elsewhere that loans taken out before April 2007 - especially ones where they were taken out online - are incredibly difficult for DCAs to enforce anymore anyway. Is this right?

Thanks. I know - I dont want to assume anything at all. Just want to clear it up as quickly as possible. I had thought it was SB before I looked up ruthbridge. From searching on multiple forums, a huge percentage of the results for them were conversations about SB debt. I think just by putting my sequence of events together with this I feel pretty confident that they are just trying/going to try to bully me into paying a barred debt. Default date to today is 7 years and 1 month. The last know contact with them would be about 6 years 6 months. Even if there was anything after, it c

Thats a great help - thank you very much for this. Feel a lot better about it all. I'll come back and let you know how I get on.

Thanks for the reply If it adds anything, it was showing as a red default every single month on credit report from that december 2007 date right up to disappearing. Ive read that ruthbridge specialise in old SB debts more than most DCAs - so the SB letter should kill them off..?

I'll keep this concise but looking for some advice.. (not a poet) - debt defaulted december 2007 - about 85-90% certain last contact was May/June 2008 to try and arrange payment plan but never went through with it. tried to think of anything that suggests i was in contact after this but really cant think when/why that would be. - that last contact was through agency called ARC and last letter from them was July 2008. - debt then passed to cabot who sent several letters to me 2009 and 2010 once they had found new address. ignored. - nothing since and debt fell off cred