Thanks for the information Jaocheu.

Hi Everyone I'm looking for some advise please on a loan that I took out over 10 years ago as a joint application. I left him 10 years ago and moved on. I did not continue to make any contributions to the repayment of the loan. As I have never heard anything from the loan company I thought I would hear no more. Imagine my surprise when a few weeks ago I got a letter from Paragon asking me to contact them. Well I never did. I googled Paragon and found they used to be Universal Credit. Then a letter came through to my address for my ex. Curiousity got the better of me and I read it, it was from Paragon going on about payment agreements. I could only summise that he continued to pay but has since stopped. A couple of days ago I got a letter from Excel saying that they wanted to send a counsellor to my address to sort out repayments of the debt. They turned up yesterday when I was at work and left a note asking me to contact them. Can anyone advise me what my position is and what my next move should be. Can they start chasing me now for a loan that was taken out over 10 years ago since I've never had any correspondence from them until now. Any help or advise would be greatly appreciated.