Hi Uncle Bulgaria Hope you can help. I am in a similar situation to the Scottish gent, in that I left a bank debt on credit cards (not loan so no bounced cheques). This was in Oct 2008. I am quite happy that over 6 years have passed, that the Limitations Act of 1980 would prevent them from pursuing the debt as no communication of admission of the debt have been made. I have been a bit baffled today then by my wife having 5 separate and very pushy phone calls from HSBC in Dubai trying to find me through her. They even had her maiden name which can have only come from Facebook. I have no social media presence I have asked her to get an address off them next time they ring to send them a letter confirming that the 6 yr period has elapsed and they have no right to pursue me Can you confirm that my understanding of the law is correct and also is my proposed course of action with the letter the best one to take? Thanks Codpiece 69