Hi Tabitha,(posted 7889 days ago)Yes that's all true the advice that John gives you. Please don't panic, although I know it's difficult not to. To date my fiance has received, from Hammonds, Suddards & Edge acting on behalf of Bradford&Bingley over 15 or so letters threatening to take him to court. He has discussed the debt over the telephone but this does not count as an admission. Do as John says, we used the advice given on this site and it is now coming up to 7 months since we last heard from them, they use bullying and threatening tactics to try to get you to pay up. Do check your dates regarding 6 year rule and their contact, and I wish you all the best in your fight.