elderbridge ltd

[Bluemooner]

I have an account with ELDERBRIDGE Ltd. They took over my account from FIRST PLUS in 2006. I had experienced difficulties with the contractual payments to FIRST PLUS and had a written agreement at the time to pay them £12.50p on a weekly basis via Standing Order. This arrangement was taken up by ELDERBRIDGE Ltd* and I continued to pay the weekly amount every week up to FEBRUARY 2019 when they (ELDERBRIDGE Ltd..) ceased to collect on the valid Standing Order...I have had NO CONTACT WITH ELDERBRIDGE Ltd or any of its subsidiary companies etc since (Only an annual rate of interest change letter). NO DEMANDS FOR PAYMENT or THREATS OF ACTION AT ALL...Just wondered now that I have sold my property and will be completing the sale soon, what are my options towards ELDERBRIDGE Ltd ? Can I offer them a % of what they find I may owe to them on my file, with a large discount in full and final settlement?. Does my file actually exist ? and if as I suspect ELDERBRIDGE Ltd are a Collection Agency not the lender. FIRST PLUS HAD SECURED THE LOAN at the outset and it may still be registered. I would welcome feedback on this matter as I have all sorts of stories about ELDERBRIDGE Ltd and they are in the main DEROGATORY. Thanx....