Thank you Scott

Hi Scott, Thanks for the quick reply!! Just one quick question - should I put my name at the bottom (typed) or not? Wasn't quite sure what you meant. :? Thanks again, Ladycal

Hi there, Received a letter addressed to The Occupier from these people requesting that I contact them. Didn't and threw the letter in the bin. Have now received a letter addressed to me with details of a credit card debt. Will not be contacting them by phone having read all the advice on other threads! The credit card was taken out in 2000 with 'Providian', at the time I had a credit limit of £500 (the balance due now is over £1200!!!). I haven't used the card since 2002, (probably do owe them some money) but have moved around alot over the last 7 years. And was wondering which would be the best letter to send to them, as it would seem that the debt is now statute barred. I also doubt that they would have a copy of the original credit card agreement. Please help Thank you, Ladycal

Gaz, Quick update - posted copy of letter (details amended accordingly) on 19th July enclosed £1 postal order. To date have had no reply. The 12 days would have expired a couple of days ago. So I guess no news is good news!!! ladycal

Thanks Gaz, will send it off and await a response from them with anticipation! I'm so glad I discovered this site!

Thanks for the advice, will have a look for the letter and send it off to them. Ladycal

No communication or payment since Feb 1998

I received a letter from Mackenzie Hall on 19th June stating that it was the Final Notice(funny it was the first communication I received from them!)and requesting I send just under £1500 by 29th June. I telephoned their offices (which having read messages on this site I think was perhaps a mistake) and was informed that it was a debt owed to Barclaycard dating back to 1998. :o I made no admittance, kept the conversation brief and they said they would look into it. Today I received a second letter with the heading Reduced Settlement Offer (dated 11th July) stating they would accept payment of approx £900 in settlement of the account. Can anyone advise on a course of action. Should I respond?