Thanks for the links dx100uk. Some useful tips that I wasn't aware of, much appreciated.
Still wondering whether to engage or not, what the consequences are If I don't but if I do, would the debt get kicked down the road somewhat.
I am not sure whether to pay much attention to the default date and if the debt gets statute barred, as I saw this as a key date in the scenario.
Re. post 2 in the link, I do not they have my phone number.
Thanks again.
Arthur M.