True, true. They didn't even leave a name of the Company, the lady left her name and the number, that was it! But yeah, I've not had anything from them in writing at all so I'm going to write to Abbey with me new address and see where it goes from there. I will be getting a new job really soon.. So what do I do with my wages? I only have the one bank account so shall I just get my wages put in my abbey account to pay off the overdraft etc?

So I send the letter to Abbey & wait for a reply & ignore the creditors calling me?

Should I not acknowledge any of the debt owed then or try to explain the situation?

I really have no idea how to actually word this letter

Yeah I think I'll send a letter to Abbey. It's my fault for not calling them in the first bloody place I suppose, I just kept telling myself that I'd be employed really soon so it'd be "okay" =/ Where do I send a letter to? http://www.consumeractiongroup.co.uk/forum/abbey-bank/105208-abbey-contacts.html So confused I'm kicking myself for being so damn stupid.

My best guess is that they're sending the letters to place I haven't lived at for a while and the people I lived with (I'm no longer on speaking terms with them) gave them the number?

But what if they've not sent the letters to the right address? Clearly Abbey have been sending their letters to the wrong bloody place so this company have been too with no doubt... So really I'm never going to receive a letter from them and I'm also moving in a week so there'll be even LESS of a chance of a letter being received by Abbey & Wescot..

I moved about 10 weeks ago from London to get married and start a home up North with my husband. Throughout this time I've been unable to find employment as I live in the middle of nowhere, we're moving in a week and I've already got interviews etc lined up. However. I knew I was behind in two payments to Abbey for my loan. I'm also in the red on my overdraft by about 600 pounds. I stupidly decided to just ignore the payments for two months because in my small little brain I figured I'd be right back ontop of things really soon. I've received no letters from Abbey and no phone calls. I updated my info with Abbey the minute I moved 10 weeks ago so I figured they'd get in touch if they wanted to hound me for money to repay me loan? So no letters/phone calls so I continued to figure I was okay in doing what I was doing and would just get back ontop of things in no time at all. I received a phone call today from 01294475300 which I Googled and it led me to this very forum - It's a company called Wescot Credit Services. Now I've also received absolutely no letters from them either so this phone call is really out of the blue.. I know this must be to do with Abbey, but I want to know exactly what to do next - Has Abbey sold my debt to them? What do I do now? Edit: I also want to add that if bailiffs turned up on my doorstep, what would they try to take exactly? My husband is in the US Military & all of our furniture and goods are the property of the US Government.. Which would mean some big problems for the bailiffs if they even attempted to repossess them =/