On the 27th September 2011, I was contacted in writing by a company known as CL Finance Ltd, advising me that they had sold this debt to Lowell Portfolio Ltd as of the 14/09/2011.
Lowell Portfolio had then been in contact with me via mail from the 27/09/2011 until the 15/12/2011, whereby I started receiving letters from another agency called Red Debt Collection Services pertaining to the same.
From the 20th January 2012, the debt was then addressed by Hamptons Legal (also part of the Lowell Portfolio group).
I received a letter from them today (Hamptons) advising me that if I settle the debt within 10 days, they will accept 50% of the value (£966.88) or pay £40 a month until the balance is cleared as a final offer.
They have stated in the letter that if I do not respond within 10 days, then their next course of action with be to either pursue the matter through court or send out one of their agents to my home address to discuss non-payment.
As the debt is due to be statute barred within the next 3 months, would I be accurate in thinking that this is all just last minute posturing by this collection agency in a desperate bid to get me to acknowledge/pay the debt? I'm assuming that if they did file this through the court, then the debt would already have dropped off my record by the time a court appearance would occur.
Also on that note, can a debtor apply for a CCJ at anytime or is there a limit in place?
Has anyone any similar experience or advice on the matter?
Many thanks for your time and I look forward to your replies.