The only paperwork i have received at new address is this second notice, i have never been served papers etc.
I have plenty of documentation, all past post, proof of change of address etc.
I presume they have contacted me at this address as my address updated last month on the electoral roll.
Also post was never forwarded.
Reasons for not paying back, until last couple years i was unable to afford paying back.
Also i was incorrectly told that waiting until the debt was unenforceable was the best thing to do,
i believed this was best for my credit history... How wrong was i.
I don't know what an IBA is and didn't receive on in my time at current address or previous.
As for fighting the debt it was a telecoms contract (orange) that was sold on.
I disputed the amounts at the time and here is where i have ended up.
I do not wish to battle, i want to find the cleanest solution to cause the minimal damage to my credit.
At the point in my life where i have savings, good job, assets etc. Next step was going to be mortgage.