They are so out of time the alleged debt carries a government health warning. If there has truly been no contact from NHL then they shouldn't be able to touch you for a bean - but they will try. Sounds like they know they are onto a loser - but if you want to settle and avoid a stream of nasty letters I would confirm that the amount they are claiming is indeed correct and then offer them around 400 quid in full and final settlement and be done.(posted 7795 days ago)