And also; am I not at risk of fraud if I set up a Paypal account when I was under 18?

Cheers for all the replies; this is helping me a lot. I've drafted a letter to NCO stating their breach of the law and that I will only contact them by letter. Does anybody know of how NCO resolve disputes where they are ignored/not paid?

Thanks for the advice; once I turn 18 will they be able to claim the debt again? Thanks.

Thank you for your reply; my main question is regarding my age and if I can use it in any way to support my situation? Also; when writing to NCO what should the focus of my letter be? Thanks

Hi there; basically to cut a long story short I was victim to a pretty nasty Paypal dispute/claim which left my Paypal balance at -£275 which was a totally unjust case, resolved in a technicality in favour of the wrong person. I didn't have the funds to pay the money back and not before long I began recieving phone calls off a company called 'NCO Europe'. As of yet I haven't spoken to the company directly (partly down to me being away and partly down to the home phone being rarely answered as we get so many cold calls) they have been leaving message after message on the answerphone asking me to get in touch. I was only (and still am) 17 when the issue began and I am beginning to develop a real sense of anxiety whenever the phone rings. I need some help and advice on the best way to deal with the problem; I don't have a job as I'm in full time education and don't have and means of being able to repay the debt. The thought of people coming over to my house and taking my/my families possessions makes me feel sick but from the research I've done on NCO it seems as if they are those kind of people...