Hello people. This is all disturbingly familiar and depressing reading. I too have outstanding debt with Egg. A couple of years ago, Egg terminated my account, which I had not used for some time. They told me to just continue making payments until it was cleared. Because I was financially inept, I continued to make mostly minimum payments. I was also made redundant from my engineering job in Feb '09. I was out of work for 3 months but found employment as a night shift shelf stacker. Accordingly, the minimum wage didn't cover my living expenses and the debts mounted, as I was unable to pay any of my creditors. I registered with the Consumer Credit Counselling Service who provided a financial statement and letter template which I sent to all the creditors, offering token payments until I got back on my feet. Four out of five agreed. Egg, however, passed the debt to CD (UK) who refused to accept the financial statement. However, on CCCS's advice, I ci=ontinued to make the token payments anyway. Having endured daily harrassment from CD (UK) via phone and post since October, I took legal advice at Christmas. I wrote to CD (UK) saying they must stop phoning but may write. I received one more letter from them acknowledging my request, followed by a letter from their solicitor demanding payment of the debt (£5300) within seven days. I have just written to Egg, copying CD (UK), their solicitor and mine, to say that I still cannot pay more than the token amounts and, if they persist, they will force me into bankruptcy, which would mean they get nothing. I am back to a time of stress, sleepless nights and weight loss, thanks entirely to CD (UK)'s aggressive methods. I only hope that Egg will agree to the offer I have made to them. I am just about to start in a better paid job, so have every intention of finally paying Egg off and getting my life back. I hope I get that chance.