Hi,

I wonder if anyone can help. I received a Letter today from those nice people at Lowell Portfolio asking to confirm if I had ever lived at an address. I did about 11 or 12 years ago for about 6 months. After looking them up on the internet I assume it is about an old Barclaycard debt which Barclays just stopped sending bills for, and being young and foolish at the time thought I had got away with. In the meantime I have never had any contact from anyone from Barclays or anywhere else about this debt (it's that long ago I don't even know how much it is for). They have asked me to confirm that I lived at that address, and if I don't phone them (which the general advice on sites seems to be not to) they will update their records to show I did - and I assume start to chase the debt. (No mention of any debt is mentioned on the letter). Any ideas as to the best course of action to take?

I believe if this is your first contact for 11 years do nothing. The account is "statute barred" and they are not entitled to anything as it has lay dormant for over 6 years

Hi --- Agreed.... if this debt is unsecured and no CCJ was ever issued then under the limitations act 1980 you should write recorded delivery, stating you now consider the debt, "statute barred" this applies when old debt has not been acknowledged or paid towards and where no contact has happened for a period of Six years.

I enclose a article with a template letter from the UK Insolvency helpline below, which you will have to copy & paste both bits into your browser to make it work. ?

http://www.insolvencyhelpline.co.uk/debt_factsheets/liability_for_debts_and_the

_limitation_act.htm

The debt will always be there it's just that by law there will be no way of legally enforcing it, or contacting you without risking harrassment charges or recording it on your credit reference.

Hi,

Thanks to you both for this advice and after looking at the web link will certainly follow it.

Here's hoping it keeps them away,

Many thanks again.