For the past four years I've been getting letters from these debt collection agencies and it's beginning to drive me a bit crazy. They never say where the debt originated but I suspect it was from a Cable&Wireless phone line in my name in my shared house in university (14 years ago!) that I forgot to get disconnected when I left. I had a letter from C&W shortly after I left university asking me to contact them but I was leaving the country shortly after for a few years and so left thinking nothing of it. It then started about four and a half years ago with a letter from Thames Credit. I wrote to them asking what the debt was and they didn't respond so I found a thread on money saving expert and wrote a Consumer Credit Act letter asking for the credit agreement, they didn't respond in time so I sent them the standard follow up letter ("Therefore on 20 March 2008 this account became unenforceable at law") and phoned Trading Standards who said there wasn't a lot they could do but they would make a note of it. A year after that ActivKapital sent me a contact letter, I sent them the first response and they sent back a letter saying they hadn't been able to verify my identity and so would not continue action. After that Mackenzie Hall sent me a letter asking for contact, I sent them the first CCA letter and they stopped sending me letters. Earlier this year EquiDebt sent me a letter. I replied in the usual way and they sent my £1 postal order back with a letter saying "Having receiver [sic] your request, we have undertaken a review of the tracing procedure and are unable to verify that you are the correct individual that we are attempting to contact. As suck we are not in a position to provide you with a copy of the original agreement relating to the account. We have therefore removed your details from our records and will not contact you again in respect of this account. We apologise for any inconvenience that has been caused, this certainly was not our intention." Finally a month and a half ago I got a letter from Ruthbridge asking me to contact them. I sent them the same letter asking for the credit agreement under the CCA and then today I received a letter: "We take notes of the points you have raised in your correspondence, however we must advise that we are not in a position to comply with your request at this stage as we are required to verify information we have been provided with yourself [sic] for the purposes of data protection in compliance with the Data Protection Act 1998. We would appreciate it if you would contact our offices so we can complete the necessary verification." I could just sent the second letter again and I'm sure it would go away but it is driving me crazy that they all just keep selling/passing it on without addressing the fact that there clearly is no credit agreement or the statue of limitations is long since up. Does anyone have any suggestions? Thanks & sorry it was so long, good to vent finally!