I have been getting debt letters re the above for the past 3 years for a debt I know nothing about, there is nothing on my credit report, and all I can imagine it relates to is something from 19 years ago, which I am sure I settled before moving to my current hour 10 years ago debt free. I sent them a CCA request 2 weeks ago, and received the following response; We refer to your request for documentation relating to the above account. As we previously advised, AK is not in possession of the documents and we therefore put forward the request to the original creditor. Unfortunately we have been advised by the OC, that the documentation is not available at this time and we apologise for being unable to fulfil your request. Please be aware that whilst, at this stage we cannot provide the documents, you have asked for, this position could change in the future at which point we will of course contact you further and supply copies to you. We appreciate this may not be the response you hoped for, however if you were to confirm the reasons the documents were required we may be able to assist you further or alternatively consider your proposals. Your account will shortly be returned to our collections department. you will then be able to arrange a payment plan and benefit from our incentive programme called new deal. new deal enables you to access benefits that reduce the amount you owe. You may also be able to take advantage of our loyalty schem called AK Plus which enables you to accrue additonalo money from the payments you make. This is put to one side for you in your new deal account and can be used towards settling your debt. Yours sincerely Mr "I think you must be very gullible" Cretin So OK, they think I am really stupid to pay them money for something I don't even know what its for. Nothing has been on my credit report similar to the amount they say I owe for at least the past 10 years I have been obtaining my credit report. Do I need to write back to them, as it sounds like they are still going to pursue? Also just a question aside, if I sent them the £1 and they don't have the paperwork, shouldn't they have returned my fee? Thank you