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Hi Took out a loan in 2013 when i was unemployed after a difficult time stupid idea at the time now ive been working for the last 2 and a half years ive cleared all my debts well thats what i thought until i got a letter from these cow boys this morning stating i owe them £292.00 from a debt dated back in 2013 which i thought was cleared, and i completly forgot about it. So i got this letter this morning threatning to pass it over to Moorcrap Debt Recovery telling me they will come round my house etc not that im bothered i welcome there arrival to be pushed back down the drive way. I am not refusing to pay the loan but what is really bugging me is i only borrowed £130 and these people have stuck almost 60 percent extra on top i know they have to make a little bit extra etc but £160 extra!?!?!?! Ive told them that i will only pay the remaining balance if they come to some agreement with myself i will not involve myself with Moorcroft and will ignore all there letters I am still waiting on a reply So my questions are why are these people waiting 3 years without any correspondance on this time frame, Is this a tactic to add alot of fees before they process a letter of harrassment ? Can they still persue all these fees when the only letter ive had off them is threats of DCA since 2013 ? this seems to be a little tactic they are good at from other things ive read about WDA on here