Hi there, I have made an arrangement with Payplan to manage my debts as I suffer from anxiety and depression, therefore, not able to cope on my own. I have only been with Payplan for a couple of months, my third payment to this will be at the end of this month and I know it can take time for them to finalise agreements with my creditors. LTSB have been calling me several times a day for the past couple of months. I have never told them that it is me they are talking to but have said I was not home as Payplan advised me not to talk to them over the telephone and is it much easier for me to say I'm out rather than get into a discussion which I may not be able to handle. On Thursday I received the following letter: Excel Letter 1 picture by SkyeL23 - Photobucket The very next day, Friday, I received this letter which was not post marked so I know it was not posted but hand delivered: Excel Letter 2 picture by SkyeL23 - Photobucket I am now very frightened that they will continue to come to my door and may catch me in, or worse, may catch my daughter in who will probably agree to anything they ask as she would be too scared to say no. Payplan cannot do anything about this it seems, so I'm wondering if there is much point in me continuing with this arrangement if I am going to have to deal with these people on my own anyway. Also, living in Scotland, I believe I cannot legally stop them from coming to my door each and every day, so would appreciate any advise I get on how to deal with these people, bearing in mind my mental health state is not good. Many thanks for any help/advice you can offer.