Hello, Maybe a bit of a strange one but any advice welcome. Almost 20 years ago I came to terms with having a serious gambling problem. With help I managed to kick the addiction. Part of the process was sorting out debts with the help of MABS. Credit union. Banks etc. I did have one MBNA credit card loan of about 1500 euro. MABS wrote to MBNA asking for staged payment terms. We never received a reply. I asked what should we do and was told it was up to MBNA to reply as we had wrote a formal letter. Anyway after many tough years I repaid my loans but never heard from MBNA. A few years back I do remember getting some letter saying MBNA now hooked up with tesco or the like but it was jus an info letter. Now I have a letter from Cabot Financial saying I owe them 1500 euro. It must be over 20 years but for sure over 15 since MABS wrote that letter. Times have changed and although things are better a small business I had went under last year. Thankfully it was very clean with no monies owed to anyone or revenue. I am picking up work here and there but am not flush with cash. The MABS office I used to go to is closed now and I am sure the guy I dealt with is retired . By the way he was a great help at the time. Can these 3rd party debt collectors just turn up years later and demand payment? Thanks.