Hi DX
thank you for your reply.
the original debt was an overdraft and I can’t remember the exact name of the loan.
The loan was like a CC. I had a limit of £7500 and was able to transfer moment into my account as and when needed then just paid the full amount when a statement was sent. I’m not sure but it may have been a bridging loan.
The bank account was opened in 1998 and the loan was taken out in 2002/3.
My accident was in 2009 and was unable to make any payments and token payments were set up in October 2010. Since then I have never received any statements or letter but I have been making token payments.
they were not the only debtors in total there were 8 debtors.
4 were sent to Cabot, 2 to capquest which were all written off and now just have these 2 with MCS.