Club La Costa is definitely a spoof. In December 2004 I declared Bankruptcy. I was discharged in November 2005. In the August of 2005, I went to Tenerife for a weeks holiday with my ex partner and we were accosted by Club La Costa in the street. Having been abroad many times I told my ex this was a massive con and to ignore them, but guess what... we ended up at one of Club La Costa's presentations where, after several hours of hard sell, my ex was convinced that this was his opportunity to sign up for years of luxurious holidays.... Needless to say I was not happy, but my ex was not someone to be argued with and the rep was clearly on his side... .I figured, no problem, as soon as they run a credit check I'll be off the hook. We even told the rep we did not own our own property and that I had recently been bankrupt and was yet to be discharged, he said this was not a problem and that he would tell us what to write... .which he did... ...He helped us make up a fictitious amount for the value of our 'property' and the outstanding mortgage. ..To be fair, I didn't imagine for one second it would get past the credit check and was so worn down by the combined pressure of the rep and my ex I would have signed anything to get out of there.. ...The problem was, it went straight through the credit check, despite me never having lived at my ex's address.. .. I was gobsmacked, but figured once we got home we would cancel. My ex however had other ideas.... reluctantly I began to pay the monthly fee on our trial membership... ..this would have been O.K except we took our first week in another Tenerife resort and the pressure sell really began in earnest... ..8 hours including a tour of other resorts and a nightmare day of listening to the rep tell us all about the benefits of a 'silver membership' If we redeeemed our trial membership it would 'only' cost another £10,000. ....As you can all probably guess, once again the documents were signed. ...once again I was hoping that a proper credit check would reveal my ,now discharged, bankruptcy ....No such luck..... Subsequently me and the ex went our separate ways.. ..I stopped the d/d to GE money.. ..Presumably the letters were going to my ex partner's address.. ..By chance, when checking into my own credit report, I discovered he had conveniently gone bankrupt a couple of years later.. ...Leaving me solely responsible for the GE money debt.... The letters started to arrive, then the phonecalls and 6 monthly statements.. ..I ignored them completely... .Then in November 2009 Link Financial became involved.. ..I was borwsing this site and decided to ask them for a copy of my original agreement. It cam within the prescribed time and suddenly this debt appeared on my credit report, which it hadn't until this point... ..Now the debt has been sold to Mackenzie Hall who bombard me with phonecall and text messages on a daily basis. I have not responded and have blocked them whenever they try with a new number.. ..They even have the ability to make a call using a local area code in a bid to get you to respond to them, I've become very wise and just block each new number.... I am really hoping the statute of limitations has passed, but I'm guessing because I sent Link financial a request for a copy of my original agreement (wth the covering letter from here) The clock was rest in 2009 and I will have to wait until November 2013 before the 6 years has passed and it will drop off my credit file. In tottal the debt is now around £26,000 with interest being added every month.. ...Any advice on what will happen if I continue to ignore it? I figure if Mac Hall have got it, its pretty much unrecoverable but would appreciate some feedback on this as they are known to be complete sharks and only buy unrecoverable debts. I am of the mind that, if this debt was enforceable then surely someone would have taken me to court by now???? AND, WOULDN'T AT LEAST HALF OF IT BE INCLUDED IN MY EX PARTNERS BANKRUPTCY????? Wish I had stuck to my guns at the outset and stood up to my violent and abusive ex. ...this has been a millstone around my neck for years and really would like to see an end to it.......