I have passed my case to OFT against CD UK, as they have breached Data Protection Act as they were contacting a person who was not authorized to act on my behalf. I have complained to Egg first and they said Collect Direct is independent and they cant help... They called me on one day saying I am 400 behind payments, and asked to talk to my partner, calling him husband, but I am not married:) I have discovered he agreed with them to pay 435 a month on my behalf when I am on maternity leave having about 700 a month in total. I have outstanding 1400 from 4100 I had in July 2009 and I pay each month. But they are bullying me with calls like "we will make you bankrupt", "we will apply to set a charge on your property", "you did not pay 400 so you have to pay 800 or we will take you to court"!