If you have evidence of correspondence you have sent to MGT, and copies of such correspondence, then there really is nothing to worry about, despite however many intimidating letters Wescot may send you to provoke payment. Whilst my legal knowledge is intermediate at best, I should think that any "contract" MGT may believe you signed up to would be null and void in a court of law due to you being a minor at the time, and therefore the contract never really existed despite what might be on a piece of paper they have.

It seems Delta that you're being mis-guided somewhat here. Certainly all correspondence should always be sent recorded delivery, be it to a DCA or Creditor, and it's always worth checking that the tracked letter has been signed for. Without this as evidence that the letter was posted and received, there really is no point reporting anyone to anyone (i.e. OFT etc), especially as appointments don't have to be agreed unless specifically requested and acknowledged, the fact that you then discussed the matter with the guy on the door also contradicts this request. If the account is in dispute it is the responsibility of Cap 1 to resolve, not the DCA, therefore I wouldn't even bother with the DCA and just write to Cap 1, with evidence. If you've done that with no response I wouldn't worry. Edit : It is also Cap 1 who are at fault for re-issuing your account to another DCA, not the DCA themselves. Contrary to popular belief it is Cap 1 who instruct your account here, not the DCA.

Of course you have to be able to evidence to the court that you can only afford to pay what you are proposing, a lot of people forget this and offer amounts just because they think the court will accept it, when in fact they may not. Also, dependent on the type of debt that you owe, repayments may just one issue with other avenues being available to the creditor.

Put quite bluntly, unless is says so in the agreement (which is pretty much unheard of), a Partial Settlement is not the same as settling your account in full. Whilst most of the time you can make the partial settlement and never hear anything further about the remaining balance, BG (or any other company for that fact) reserve the right to be able to pursue the remaining outstanding balance at a later date (or next week if they wanted to!). It's highly unlikely you will receive anything from BG (not the same as the DCA) with the words FULL AND FINAL SETTLEMENT in it.