Thanks all, I have received a letter today and the matter is now closed and further action will not be taken. Thanks to all the good advice on here, I know what to do if any of these cowboys try it on again!

Thanks, I will write the letter to Marlin FS and see what I get back, will also stop the standing order. Thanks again guys.

Thanks both. Do I need to check anything else, do i need to check if I have a CCJ against this debt, and if so would this affect this?

Yes Scab at least 9 years. Thanks for replying. However, I have now started to make small payments. Does this affect my situation?

Hi All, Been reading for a while and think I also need some help, any given would be appreciated! I have been contacted by Marlin FS saying that I owe 11K on a Higher Purchase agreement, this is around 9/10 years old and I have heard nothing from them up until this point. The orginal creditor was British Credit Trust. I sent them a CCA letter and they have responded with my signed form. I have started payments off this debt but would like to know what my position is, is this statute barred or not? and also is there any loopholes that I could look at. Obviously I have moved a few times in the ten years but can honestly say I have never been forwarded any mail from British car Trust or anyone. Any help would be appreciated. Thanks Scotty