Made the mistake of phoning Global Debt, told them I can not pay on a debt that is over 10 years old. I had left moving details 11 years ago with TSB but they never contacted me and with family illness and a breakdown myself they were the last thing on my mind. Now after all this time I am getting letters, I tried to talk to them but they are snatty on the phone and I hung up - is the status barr thing active in NI were I now live if the debt was taken out in England?

I have never given anything in writing at all, it was always done with phonecalls, abuse then me hanging up - we have never wrote anything to anyone - thanks for the help I will let you know what happens

The debt is over 10 years old, over the ten years I have tried to offer money but they always refused, sold the debt on and I start over again. This was a credit card debt.

I received a letter from Winged Messenger this morning - addressed to the current occupier - it was basic just asking me to phone a number to make contact as they are looking for someone. After a google search I arrived here and now I know why I got this. Around 10 years ago my husband and I defaulted on a debt, it wasnt much but to us it was massive after losing out jobs because of sickness. My husband has a cracked spine and I am his full time carer. Over the years we have had different people contact us and each time we offer some money but they get nasty and tell us it isnt enough. It got so bad I had a breakdown. For a year we gathered birthday/xmas gifts as money and got enough to pay for me to go bankrupt but never had enough for my husband. I think this is connected to a text my husband got looking for both of us but the name and number was stranger so we ignored it. Before this the last time a debt agency cotacted us was about 2 years ago ( my bankrupcy was around 7 years ago) Can anyone help with advice on how to deal with these people. We have less money now that before to try to even live on and with benefit cuts and bedroom tax we will have even less in the new year - We live in Northern Ireland.