can you give advice please
over 6 years ago i finally paid off my halifax debt
but lately ive been getting letters from westcots now arrow saying i owe £15K to halifax i paid it off years ago
ive moved house few times since and the letters came on redirection, they dont know my new address email or phone number. i def paid it off this is getting upsetting
had letter from restons wed saying i had until 30 nov to ring them and send my payslips or they will take me to court
who are they? are they another scum debt collection agency?
they dont have my ne w address i dont own my own home, live with parents
can anyone advise?
they cant find me me can they?
i checked my credit file and its clear no halifax listed no ccjs
so as its after 6 years is it statie barred? as not enforcable?