This is my first post here, but I expect it to be one of many. I recieved a letter two days ago from a well-known collections agency. The letter, in relation to magistrates court fines, was labelled 'Pre-Removal Notice', and pointed to an outstanding balance of £875.00 which they claimed they were recovering on behalf of a client. It was the first letter I recieved from this company. Now, before I continue, I'll shed some light on the background of this. I was diagnosed with General Anxiety Disorder a little under two years ago. I had just moved and, with this illness affecting my everyday life, I was unable to manage my day-to-day finances. I started drinking all the time but, eventually my financial situation became too much to handle and I was evicted from my property. Due to my financial situation I'm homeless. I've been staying with someone for the last several months who's been more than tolerant of my financial problems. The bailiffs are aware that the address they hold is a care-of address. Now, I've spoken to them twice in the last two days. My initial call to them was stressful and, despite having no prior knowledge that they were dealing with my fines (which, after making repayments, should've totalled £390.00), they were adamant that they had sent four letters (three of which were through bailiffs, which incurred a charge). I decided to wait until this morning to contact the courts to see what was happeneing. The courts simply confirmed my account had been passed onto them for six months. However, they stated it was passed on three months ago. I citied the way I'd been paying (I'd been paying monthly even though my agreement was bi-weekly because I've got other debts and need to plan ahead) and they said because I'd not been paying bi-weekly (despite them saying I was allowed to do what I was doing), they'd passed the account on. They did say once they retained the account that they would probably be able to arrange something. Then I had a look on here and called the collections agency. Because I don't live at the address I told them they'd be unable to claim anything back. Because I don't work (I'm working on getting a job but there's not much going), I also said I'd be unable to meet their proposed payment structures (full amount or full amount in three months, the rest of the time they've got the contract for). I asked for a breakdown of costs to be mailed to me. When I asked what they'd do (feeling cocky, I hoped they'd edge towards handing the warrent back for the courts to action on for an arrest or immediate recovery, in which I'd be able to set an arrangement up with said courts), they basically said they'd just keep sending bailiffs around to incur further costs. I'm sorry if this is lengthly, but is there anything I can do? I'm pretty worried right now as, although they're not allowed to recover goods from the property, I don't think the person who's been kind enough to let me stay will tolerate the fear of bailiffs. It's interesting to note they couldn't provide any proof that the bailiffs had been around, other than their records.