Listen to BBC Essex - Dave Monk Show 9.10am

Mike helps one listener deal with a debt collection agency chasing her for a debt over 10 years old. He explains what this lady should do and how to respond, basically it is statute barred and cannot be enforced through a court of law.

He offers template letters consumers can use and clarifies harassment. Finally he explains how debts are often sold on by lenders for a fraction of the price.