hey thanks for the many replies the letter and the cheque was from BOS the original creditor who sold the debt on to a collection agency years ago, and then who sold the debt to another collection agency first credit. the letter and cheque was from BOS.. but they explained that they informed 1st credit to credit my account with the fee. and also sent me a goodwill gesutre of £50. what confused me was that BOS didnt have my new current address... but the letter came from them, so i can only assume that they contacted 1st credit to get my up to date details so they could contact me. i am feeling a bit more relieved after hearing your replies as the debt was statute barred septemeber last year.. and have all paperwork to back this up so thank you all can rest easy tonight

thanks for the reassurences everyone.. i know how dubious these debt collectors can be, i was panicking that it could be a way to make a phantom payment which would cause it to be unbarred

Hi there need some help urgently, i have a debt for 6k which has been statute barred for the last 6months when i say statute barred, the last payment was september 2008, and the default date january 2008. the dca 1st credit, contacted me in september, i requested statement of account, and they left me alone.. after which i never heard nothing again. about 2 weeks ago, i started receiving phone calls which i ignored from them. today in the post i have received a letter from the original creditor who sold the debt to 1st credit, that back in 2008 they applied a charge to my account when they transferred the debt to another company. and that they were refunding this charge to my account , and also gave me a cheque for the same sum aswell, as a gesture of goodwill. they also state that they have contacted 1st credit to apply this to my account. im in dire straights now, because the original creditor has done this, surely 1st credit can argue because a payment has been received, that this debt is not statute barred? even though its been statute barred since the beginning of the year. has anyone got any experiences in this situation... ive worked so hard to get myself sorted, and now this happens..... i may be panicking for no reason, but it all seems very convenient that since receiving these phone calls a couple of weeks ago, this happens.. hope someone can give me some advice... thanks