when you sau this does not stop the DCA trying to persue the debt, how else could thye try to persue it if they have no action form the courts??? Does this mean they can send me letters and try to charge me for each letter and then send bailiffs round or can baliffs only attnd once it has gone to court???? Also, we have most certanly not been in touch with Great Universal as we knew nothing about this but seeing as we have moved house twice in the last 6 yrs could they still have tried sending us letters and that count?? Thanks for this whole thred it has taught me a lot.

you people are amazing. My wife had a call from Wescott a few weeks ago saying she owed £56. it turned out it was apparanlty from great universal in 1999, The wife is adamant that she didnt owe any money and the people from Westcott were very rude and all they kept asking was "are you going to pay the debt" When my wife asked for more details of the debt the Wescot person told her that Great Universal do not exsist anymore and so no info can be provided... She then had a final notice through the post and now a letter from a so called solicitor. I was getitng a bit worried as we are thinking about moving mortgage later this year and I was worreid about any possible bad credit etc. After seeing this thread I see we have no real worries. My wife has called consumer Direct who have advised her to send a letter via recordered delivery asking for full details of the debt, this has now worried me slightly as a note further up in this thread mentions Also be aware that a letter from the debtor signed by him and refering to "The Debt"(s) also amounts to an acknowledgement If she sends this letter even though the letter will say she does not owe any money, will it then open the time limit as the above statement implies. Please dont get me wrong, the amount of money is small but my wife is certain she doesnt owe the amount and so its more of the principal... Does it make any difference that my wife has got marreid and moved twice since the date of the so called debt? Should I let her send the letter or just send the letter template at the start of this great thread?? Kindest Regards Dave