Thanks for your reply I have tried to sort out the ref number but it won’t let me edit the original post? Iv reported it and hopefully someone will remove it for me. I have certainly never had any officers at my door face to face the letter I got from Nolan’s was sent via Royal Mail. I only have the 1 letter from Nolans and then the one I uploaded from Cabot this is the only communication I have from them in years! I moved address end of 2016. Do you want to see a copy of the Nolans notice? I’ll upload it in pdf. Scan 15 May 23 · 12·35·22.pdf

Hello I’m hoping someone on here can help me. Years ago (young and stupid) I defaulted on a credit card buried my head in the sand. I hadn’t heard anything for years. a few weeks ago I received a letter from Nolan’s solicitors with a notice of intention to serve charge and attachment. (I actually don’t even know what this is) this is the first contact Iv had from any company about this debt in at least 4 years despite them stating otherwise. I was under the impression that with Scottish law that this debt would be statue barred under the prescription and limitation act after 5 years in Scotland. No payment or contact had been made since June 2016. Nolan’s have backed off for the time being although they are extremely threatening and rude! i received a letter from Cabot stating that they took me to court and a decree was obtained in March 2021 I have no paperwork or anything to say that this was happening or has happened?? Can anyone advise on what I should be doing now? Thanks in advance