Regarding the doorstep collector - be advised that these people have NO powers whatsoever, so you can safely tell them where to get off in whatever (non threatening) language you feel like using. They have likely bought the debt at £0.06 in the pound (the going rate for debts sold to other companies who then just chance their hand with some doorstep intimidation). Then just send the company concerned the following letter :-- Name & address of the creditor Todays date : Your ref : Their ref : Dear Sir/Madam Re:Your name & address Account No: #[ORIGINAL + THEIR REF] #[ORIGINAL CREDITORS NAME] I do not admit any liability for your claim and will not be making any payment towards it, as it is now more than six years since any cause of action may have accrued. Any claim would, therefore, appear to be statute barred under Section 5 of the Limitation Act 1980 and any County Court claim will be defended on that basis. In addition, Section 2.14 of the Office of Fair Trading Debt Collection Guidance states that it is unfair to pursue such claims where (as here) the original creditor (and/or their agent(s)) has/have made no contact during the relevant limitation period. If, however, you have substantive evidence that your claim is not statute barred, then please supply it to me directly within the next 14 days. If you are unable to provide such evidence please confirm in writing that no further action will be taken against me on this matter. Yours faithfully [Your Signature] I hope this helps

This type of action could arguably be construed as "discrimination" contrary to (Human Rights Act) Article 14: Prohibition of discrimination under the heading "and any other discrimination"

Bryan Carter are selective about who thay state they have received letters from, so it is often best to send them a copy of your letter by fax to use the fax report as proof that they have in fact received your letter. Their fax number is 0845 223 5656