How long is too long in the view of your solicitor friend? Thanks for the help.

Thanks for the quick reply. I have had the same thought. Let's see where CLI take this.

CLI now sent me pre-action protocol letter. The Creditor is SAS NACC and it states by Assignment from BNP Paribas Personal Finance. Howeve, I have not ever received any communication from BNP Paribas Personal Finance, informing the assignment. CLI want an acknowledgement of debt and financial statement from me. CLI are also threatening court action. What should I do?

Hello, Credit Limits International sent a letter that is exactly same wording as that of yorker had already uploaded, except for Name, Address, Creditor and the amount. I have already read through thse posts and checked FCA register. CLI is not authorised by FCA, so not responding is absolutely right thing to do because Creditor did not notify that CLI has been employed to collect debt. If CLI does visit, I will firmly ask for their identification, then print out status of CLI with FCA and give it to them. Then, warn them that their presence id disturbing peace and quite of my residence and aks them to leave, if CLI do not immediately leave, warn them you are calling the police, then pretend to call th police. If they are still there, then call the police. One of the mistake most people does is, when aksed for their names (by the open nature of British society), even by some unknown person knocking at door, people do not usually aks for the identification. It takes practice and the best way to practice is to use these nuisance calls or calls from withheld telephone numbers. In my case the last paymeny was in August 2012. So, it could be SBed. Besides, whilst there were arrears, the Creditor raised the payment and the payment was being made. However, the Creditor wanted signed paper work, which I did not want to rush into and the Creditor then repocessed. I have the E-mail corresponding with legal department of the Creditor. So, I think it was the Creditor who broke the contract, cancelled it and then repocessed. I am wondering whether these can be used for defence, should the Creditor follow the process through to issueing court claims via a UK solicitor. Any help is appreciated. Also, before you open the door, ask for identification, and even if you open the door, put it on chain lock. If the person is genuine, then you can say you had very bad experience against robbers or petty theives pushing the door for forced entry.