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Advice - Scottish Bank Account (Closed 2004)


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Good Afternoon,

 

Im looking for a bit of advice here.

 

I used to have a bank account which closed in 2004, and I am being chased for under £800 by a 3rd party collection company.

 

I have written to this company stating that I don't know where this debt has come from. I responded to their last letter almost 3 years ago and they simply put my account on hold 'pending investigation'. I heard nothing since so I had assumed that the creditors had given up and wrote the debt off.

 

I have now received another letter from them asking for me to pay once again.

 

This debt is over 5 years old, and I have tried to get some sort of clarity around what the debt is in respect of, but have not had any luck.

 

Where do I stand with this?

 

Thanks!

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