Sorry if I made mistakes, just that I am speaking from personal experience. With regards to the time-barred thing, I just went along to my local law centre who dealt with it themselves on my behalf. I had some private investigators after me regarding a Lloyds loan (which had been taken out in 1998) And as for the minimum payment that is what I meant to say - £1 per month,sorry.

My boyfriend has had a similar thing with Capquest for a £2000 unsecured loan from the Halifax about 8 years ago. As he is currently training to be a a Citizens's Bureau advisor, this comes in very handy... From what I can gather: 1) anything over 6 years old is 'time-barred' and Capquest can be charged with harrassment if they keep pursuing you 2) IF they they are to proceed with the bankruptcy, it will ONLY be for the loan/debt specified, not ALL of your loans, although each creditor is entitled to set up bankruptcy proceedings for their own loans. 3) if you are on benefits they are obliged to take the most minimum payment you can offer - say, £1 per week Abive all, don';t let these people bully you. I have had dealings with people like these before, including bailiffs, and they work on people's ignorance to instill intimidation. Good luck, and I know it's easy to say, but don't worry!

Hi Not sure if anyone has mentioned this but you do NOT have to let them in. However, once they ARE in they have walking possession and can visit anytime they please. If you refuse they can call the police to assist. The trick is is NOT to let them in the 1st place, no matter how they try to 'persuade' you. When they viSited me, the bailiff (Phil Mitchell in a suit) looked into our back garden (which is all fenced by 6ft panels) and inventoried our BBQ - which, incidentally, had a rotting leftover Halloween pumpkin on it. Chandlers are more than welcome to remove this - it will save me from a trip to a tip anyway. What annoys me is that the council tax is not actually due until April, the next financial year. Yet we are getting extra charges now. Also, I am a mature student (council tax exempt) receiving contributions for my partner who is completely financially dependent on me. He has no income yet cannot claim JSA, or council tax benefit so just how he is supposed to pay his council tax of £800+??