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In 2001 i took out a bank loan for £5000 payable over 5 years with Lloyds. Around 18 months into the agreement i was struggling with finances due to reduced hours and CSA collections. I informed Lloyds and several arrangements were made to pay £40 per month, these usually defaulted because Llolyds were good at breaking agreements. Without spending to much time explaining this the loan, credit card and overdraft remained unpaid from around 2006. For a couple of years i received statements of a total outstanding balance of around £4000, I received an occassional letter from a couple of debt recovery agents but i nformed that the debt was in dispute. For the last 3 years plus i have heard nothing from anyone and assumed the debt had gone statute barred or written off. However yesterday i had a tearful and scared 95 year old neighbour who explained to me that she had been receiving letters at her address for over 3 years and that because of extremely poor eyesight she had opened some of the letters and was scared to say anything for fear of getting into trouble. She has assured me that several letters were returned unopened stating not at this address. The straw that broke the camels back was a CCJ that she had opened issued in my name on behalf of BW legal for £10000 plus pounds issued by Northampton County Court. My address is 14a which was the address to which the loan was applied for in 2001. I have lived at this address ever since. All the mail/correspence however has been sent to 14 which belongs to my neighbour Mrs G. I am urgently seeking your help and advice on this matter
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