I had a number of debts originating in the late 90's which resulted in me being credit blacklisted and spending a few years (mostly 2000-2003) being chased by bailiff's at various addresses. I part-paid these debts over a number of years with the last payment to any agency being made (at a rough guess) somewhere between 5 and 7 years ago (but most likely more than 6 years ago). I am not 100% sure what I still owe in total but was under the impression it must have been written off as have had no contact with any debt collector for approx 6 years and my credit rating has restored itself and is now good again. Rather annoyingly only about a month ago I shredded all my financial documents relating to that time period (basically anything that was over 5 years old) so have no evidence of anything from that time. Recently my parents received a call from Link Financial agency looking for a contact for me which was then followed up by a badly written letter to them which they have not acknowledged. They did not give out my phone number or address but I have now received a speculative letter from "Link Financial Outsourcing Ltd" to my correct address which states that my address has been highlighted to them "as a potential new address for our customer with whom you share the same name" I need help with the following questions:- 1) As this letter is worded in a speculative manner I presume it is best not to acknowledge it in any way? I do not know if they are simply "fishing" or have actual evidence that I am the person they think I am. It is possible that they have traced me through a friend/ colleague or online but I suspect they've just gone through the electoral roll as my credit reference report where I currently live shows no evidence of anything bad from the past. 2) Assuming their letters get worse and/ or more threatening what can I do? I believe this particular debt is my student loan from the 1990's. As I said already I believe that the last time I had any contact from anyone in relation to this was 6 or 7 years ago and in the 3 or 4 years prior to that it did the rounds with me receiving letters from about 7 or 8 different agencies. Is this covered by statute of limitations assuming 6 years have passed since I last made a payment? if I'm misremembering the date of this then at the very least it's been 5.5 years since any last contact. 3) How can all of this affect my current credit rating? As they now have my correct address (albeit that they dont know it's the correct one) can the fact they're chasing me again affect my current rating? Sorry for all the questions!