Hello folks, me again!
Having just returned to this thread (after a looong time - sorry) I have just received another letter, this time from CAS (Credit Ancillary Services) who have now taken over the debt from Equidebt.
They are offering a discount of 50% if I sort out this debt within 6 months.
Looking back over my thread (above) the original CCA, has a date written on it (17th January 2003) - if my maths are correct, that makes 17th January 2009, SIX years after the agreement.
Does that mean that by this date, the debt would now be STATUTE BARRED? - and the reason that CAS are offering such a generous deal, is because they are desperate now? - thoughts anyone! -