Stupidly i took a loan with this company back in 2005. I had just turned 18 and was a total idiot. Anyway i paid the payments for a little while then went off travelling for a year. To be honest i totally forgot about it all until last year in september i got a phonecall asking if i wanted to re-write my agreement. I was expecting to have something in writing but never recieved anything. I've been getting calls and msgs on my phone from someone called Pat who i didnt know so was never gunna call back. Anyway, she turned up at my door last night handing me a letter saying i owed 3k. I told her she could get bent! Take me to court do what ever, but she said they will find out where i work and get my wage details and take the money out of my pay. She told me to call her this morning to 'sort it'. I will be calling this morning but only to arrange to hav copies of my credit agreement sent. Surely they cant send their office staff to your door? Also can they transfer my account from branch to branch?