We are currently experiencing problems from GoDebt re missold ppi from YCC their finance house being then Auto Car Direct which I believe is/was an offshoot of Provident. Can anyone tell me how to defer threatened bankruptcy proceedings for something which we now know we are not liable for and which in fact we could counterclaim for---not to mention the bullying, harrassment etc from GoDebts solicitors Hollis Briggs, standing in neighbours garden opposite house taking photographs and abusive phone calls. I note one common thread from GD and that is that it seems impossible to get anything in writing from them! Does this mean that their threats are just that and not enforceable by law, anyone please?