Resolvecall on a 8-year debt

PerryMason38

Hello MSE experts,

I have gone through multiple useful threads that are relevant to this issue, some were linked directly here. But the issue I have is not the logic of the problem, but how to approach or settle it without harming myself (prejudice).

I recently received a letter from ResolveCall stating I must respond in 7 days, or someone will come knocking. The debt is mentioned, simply the creditor and the sum. Now, I recognise the sum and the company, but... this debt was opened between 2011-2012 and it settled a good 3-4 years ago.
It fell off my credit record around 2018.
I am a student at grad.school studying, and this debt has come as a shock. It is well below £500, less than half that figure. But I knew or *know* about this debt. If I contact them, letter or call, I would have to admit to it, and, admit to my name etc etc
This I can't do.

I am thinking of filing a letter, using the standard of proof argument (i.e. you prove I have this debt), but it's very hard because even confirming certain details (security checks) would mean prejudicing myself (probative) to a stacked deck.

The debt is closed and settled, around 2018.
It was not paid, and the reason for the debt was I was a teenager playing with banks and cheques; I'd rather not say anymore.
I have money, and I've worked for the past 6+ years, but this is quite a shock. The creditor is a bank (if that helps).

TL;DR

The Debt was for under £500
The debt defaulted around 2013
The debt dropped off all 3 CRAs ca.2018
The debt suddenly appeared under Collections Company A, now resold to B. 

I know about the 2019 judgement but British law still does not permit retroactivety, except if the parliament passes a statute which does allow going back in time, who knows - UK Parliament is far too powerful.

Can anyone assist? 
I've tried multiple drafts of the letter but it still would amount to admitting X, signing Y and confirming Z.

Thanks
xx

sourcrates

You appear to be complicating the issue unnecessarily, by quoting everything except the relevant text from the Limitation act 1980.

Simply send the statute barred letter to them, as under section 5, limitation act, they have 6 years from the "cause of action" date, to chase this debt, and that time has run out, its well past limitation by now, job done.

Admission of the debt makes no difference to anything, once statute barred, always statute barred, a debt cannot be unbarred.

PerryMason38

Thank you very much, sourcrates!
Mountain out of a molehill situation, I guess.
Much obliged. 

sourcrates

No worries, any problems with it, post back for advice.