hello there.... I have never used a forum so I hope I m in the right place... I have read some of the advice given for ruthbridge and found it interesting I have just recieved a letter in the post addressed to the occupier asking to contact them with a ref no. there is no mention of debt or anything as I did not know the name I googled it and found your forum (thank god for internet eh?) what do I do.? I never answer my landline its always on machine(sales calls mostly ) and only call if message is left I have not had any from these people whats my next move can antone help?