Hi dx100uk, Thanks a lot for the response and link to the library - this is very helpful. But having looked at the statute barred letter, it seems to say one have not made any payments, acknowledgement etc in the last six years time hence it is barred, is this not admitting knowledge of the debt? I read some posts are suggesting to send 'prove it' letter - should I do the prove it letter first then this statute barred letter? or the SB letter alone will do? In regard of personal info, I did not mean to hide it but was surprised that they obtained email address which I have not used long. During the years my current account has not changed and I updated my previous addresses with the bank so I am assuming all this info is in my credit file and can be accessed, only email I don't understand.

Hello all, I received a letter from capquest about a week ago saying they assigned ownership and legal rights to my credit agreement (previously with MBNA) to Arrow Polar Designated Activity Company, who then appointed Capquest Debt Recovery limited as admin of my account going forward. I thought it is a scam so just ignored it. I then received an email today (personal email which I only use for some online banking registrations so don't really junk emails usually) from Capquest stating my account is now managed by Opos Limited and gave me an online account number and PIN to pay for the outstanding balance - which is £6k! I am unsure what to do here but it seems this company does have access to my personal information which is very concerning. I had an MBNA credit card probably 15 years ago (still trying to find any statement through my emails to check the period I owned it and if I had any contacts from MBNA in regard of the credit card) but I don't recall any details of when I closed the account etc. I never had any contacts in the last 6 yrs since I lived here, but was living outside of UK for about 8 yrs - I checked my credit score all seemed fine and no CCJ while I was away. I am unsure if I should response to validate the debt or just ignore them. Thanks very much in advance for any advices.