Firstly apologies this is my first time posting, have had a good look around the site and am very impressed.
I've been able to kind of answer my question by studying other posts here but would appreciate peoples opinions if they have time.
I defaulted on a HSBC current account that was overdrawn in September 2009.
The amount was approx. £4000 and was mostly unfair charges from the bank.
I did attempt reclaiming charges prior to default but in the end just gave up, cowardly I know.
Since 2009 I've moved addresses a few times and had letters from Compello Group chasing this matter up.
Until now I've just ignored everything (possibly a stupid idea)
Lately the letters have been coming from MKDP arm of Compello and the latest one looks a little more serious. Its a fishing letter no mistake
"We have undertaken further investigation using Credit Reference Agencies
in addition to other reliable databases and understand you reside at this address"
goes on to say about an instruction to pre-legal department
and if the matter proceeds possible CCJ, Balliffs or Attachment of Earnings.
The matter would be Statute Barred by my calculation later this year (September 2015),
but have read on here firms like MKDP go for a CCJ to prevent it becoming SB ?
Should I go for it with the SAR, CCA letters do you think ?
Or am I just entering a big next of vipers ?!