Thanks. I will do.

Thanks for the welcome Havinastella.

I've been through my credit file from all three credit companies and it is not showing on any of them at all which is why I was surprised when I received the initial letter April this year.

its a Halifax Personal Loan that was taken out around 2006-2007 if I remember rightly. The supposed payment was alledgedly made to a company called Fredrickson. I have no knowledge of this payment or the said company.

Hi Everyone, I wonder if anyone could help me. I've received a letter from Moorcroft Group regarding a debt bought by Arrow Global. To my knowledge I haven't paid anything towards the debt. The original loan was taken out in 2006-2007. I got made redundant from my job in 2008 and stopped making payments because I couldn't afford to be making payments. I couldn't even get any assistance (job seekers allowance) because I was married and my wife was the only one working and she was working too many hours to get any help. Now here we are in 2016 I'm now receiving letters about this debt. I responded to them via email stating that in no circumstances am I acknowledging this debt as I believed it was now statute barred. They have replied stating that Arrow Global have informed them that a payment was made in 2011 but I have been through my records and cannot find anything regarding this payment. I have sent them another email stating that I want to see physical proof of where the payment came from and that I still do not acknowledge the debt and will not do so until I receive the documents. My next question is this. Would the emails I've sent count as a communication and therefore restart the clock on the 6 year limit even though I have said that I do not acknowledge nor take any responsibility of the debt until I get original documents showing when the payment was made etc. Any help or advice would be appreciated. Kindest Regards, Brett Rogers