Sorry I am just so worried, didn't realise the difference: I can't understand how they send such awful letters without having any powers, especially as I've not heard anything for years. The letter talks about Litigation Proceedings and that my credit rating could be effected but I've checked and there is nothing on that What power do DCA have ?

Can they come to my door ?? What do I say if they do ??

Still a little lost as to what to do, Will they come to my home ? Should I write ring them ??

Yeah

I just gave them details of all the people I could remember but then I heard nothing back Will they keep sending letters, should I call them ?

About 4 Years ago I filled in some forms for Next Step Money to look into any PPI claims i may have. I heard nothing much from them at all - i moved house, emailed them with my new address etc. Still no word. In the mean time I knew i was owed from Barclays so i wrote to them separate. They sent me out some questions i filled them in and i received some money back. Yesterday i received a letter from Capital Resolve saying i owed £475.44 to First Target Recoveries - no idea who they were and have no previous correspondence, and they said they had wrote to me previously and they haven't so i googled them and they are linked to Next Step Money. They are saying i can pay just £368 and it will be settled but i have no idea why i would owe this or have had any other correspondence. What should i do i don't want a debt collector at my door ???