I stopped token payments on one of them. Received letter saying they have noticed... your debt still stands... important to call us... etc. A month later they have sent the same thing with income-expenses sheet asking to complete it to help them help me. I didn't dare stop token payments on the other as long time ago the bank wrote to me saying wescot will now administer the account. I am stressed a little with course they might take and also what to do with the second one. Please advise. Thanks in advance

Well, I finally gathered up courage to open the letter. In summary, it says 'acting on bank's behalf, you have failed to contact, we know you are there, we will pester you until you contact' Pardon me for being so thick. I am a little nervous. No doubt, I am going to receive further letters. Won't be contacting them. Do I just scan and file away? What's the better path; I have sent them back before when I do not recognise the sender. Thanks very much for your help.

Varde (MBNA) debt has since gone to PRA Group who sent me statement at the time plus bank details but no communication since. Two letter were from HSBC headed pre-litigation department. Yesterday, I received an automated 'contact us now'. And this morning, letter from PO Box 189, Huddersfiled. Through the window I can see it has Debtline in bold. I am dreading opening it. I have had letters from there in the past that I did 'Return to Sender' following advice from someone on YouTube. Now, not sure what to do here. I have no idea on how best to deal with these people. Also, if I stop the nominal payment could they take me to court and then use 'he has been making payments' as evidence of my admittance? I have stopped nominal payment on one of them and waiting with baited breath. Please advise

Sorry for being so paranoid. Two reasons got me sweating: the letters came from prelitigation department and my previous mistake of returning dca's call. They threatened to breakin through even front door, exposing me to my social circle to confiscating my car. mbna did not respond to cca request, broke every guideline and dca took me to court. Thanks for putting my mind at rest and putting me on track. Much appreciated.

As it happens they had sent two letters that my other half did not stress me about as I was dealing with a family situation. First one asking me to call them and second to say that the dca with be administering the account. They arrived about a week apart and I am waiting for dca letter. Not sure what to do here. I am dreading phone calls, home visits or public harassment or confiscation of property like car or phone etc. Please help.

dx100uk thank you very much for this advice. Wish I had known this 10 years ago. I suppose it's better late than never. Sorry for taking your time. Going back to hsbc, should I ask for CCA or SAR or should I just offer them a 'full and final' figure. Thanks in advance

On ccj making monthly payment as required… did everything myself. Two have been settled? Rest wanted all.

I haven’t asked for CCA. Short answer is yes, I have been blindly paying them. I had one CCJ in 2009. I didn’t like going to court, so I caved in. Life!

Thanks Bazooka Boo and dx100uk. Yes they have been sending me statements. If I stopped paying them wouldn't they start harassing and threatening me?

Thanks Andyorch for your response. I didn't think I had choice and thought I had to pay something.

In 2006 I lost my job and ended up defaulting on around 6K credit card. Keeping a roof over my head and feeding myself took priority. I offered to pay £10 per month and have been paying since. First Covid and now interest rate rise and I am in trouble again. My question is what can happen now if I ask HSBC to accept less and what if they hand the case to a debt collection agency? Can they take court action? Last thing I want is a CCJ as that would be disaster at 60 for me. My partner has around £1800 in what she calls her 'funeral fund' that she could let me have if it would help right-off the rest of the debt. I am panicking and she is having sleepless nights.

Thank you very much, guys. You have put my mind at ease. Opened it and it was final statement on car that I handed over after lease finished with a T&C booklet. Appreciatively Yours

Unbelievable. Next time one of ECP is being roughened up, I hope refuse to enter into the implicit contract

By the way, I started receiving these from a couple of PO boxes. Nothing else except the return address as Returned Mail Registry, St William House, Tresillian Terrace, Cardiff, CF10 5BH. I think I am just going to send it back to the sender. Get enough junk already. Let's hope someone can enlighten us.

I have just received post from them. Need to know what it is. I have been returning mail if I did not recognise sender or it was missing or it was PO Box with postcode. Could not find anything on google. Is this a [problem]. should I open or should I return it?