I took out a loan back some years ago with Lloyds TSB. I lost my job, and everything started to go wrong (mainly because I naively started ignoring correspondence!!). I made the odd payment here and there to try and keep them happy, but eventually stopped making payments about 5 years ago and it eventually Defaulted. Like an idiot, I ignored all correspondence from numerous companies and DCA's for the past 5 years and on times it would go silent for a good few months (perhaps longer), before being passed onto a new DCA and the process starting over again. I'd read something about no payment being made within 6 years, then they can't reclaim the debt, so without knowing too much details regarding this, recently this is all I've been aiming for!! I've never sent any letters or done any of the other steps banded around, mainly because I didn't understand them and I'm the world worst procrastinist!! Currently it's been passed on again, from 1 part of a group to another and I've had a letter saying they are in the process of advising our client to take Litigation action against me to recover the debt and that I had 7 days to offer a payment plan. I'm not sure why, but this one has 'shook' me a little bit and I'm a little concerned that my ignore everything for 6 years is flawed!!! Given that I've not sent any letters to anyone etc at this stage, what's the best way to approach it. The fact that I owe £6k and it's been passed about 5 years, would lead me to believe that if they could take action against me, then they would have already. I'm concerned that if I send them a letter and ask for this information, they may just proceed on the CCJ basis, as I've not complied with the timescale involved. I can arrange to make small payments to them, perhaps £10-£20 a month, but aware as soon as I did that, the 6 year 'option' has gone. Any advice? I've probably missed heaps of details that you need, but let me know if you need anything else?Thanks,