C&G adhere to the 6 year rule when they are forced to. IF (and you have to be clear on this) - if there has been NO contact or acknowledgment by you or your ex from repossession to 1999 (although I suspect they have been in contact with your ex) they are statute barred and cannot chase you for a bean. There is no judge that will give them 189 quid a month for 25 years when prsented with your circumstances as detailed. As usual, DLA are threatening the vulnerable one - the parent with the kids - because they know your options are limited when you have to provide for the children. If you are on benefits - what can they do? Have you got something they want - like a new house? Any assets? If you have then things are a little bleaker and you should seek legal advice.(posted 7881 days ago)Evershites, who behave as appaulingly as DLA have threatened me with everything under the sun and I have letters like the one you describe. I DID complete the I&E form just after repo, to show I had norhing and could prove it, but the Lender wrote back with a 100 quid a month demand (I had no disposable income, debts and two kids with no child support, this was totally unreasonable). They also demanded a full review of my finances every six months. My last contact was with the Lender direct and I told them to do their worst, I'd had enough.I am also the parent with the kids and they have NEVER contacted my ex. I have no money or assets and yet they persist, year after year. So I guess what I am saying is that I would call their bluff if you really have no assets. You have nothing to lose. Mr.Button has more experience than I of the procedure you will face, but given that C&G would probably settle for a couple of thousand anyway, it seems the prudent tactic to employ. The stress is awful, I know how you feel but the only way to end it is to bring the matter to a head. I wish I had done that years ago, but for me it's now too late. I wish you the very best of luck.