I need help urgently please. Last week i got a call from someone who i could barely understand and found to be very impolite so i put the phone down on him. He has been phoning me at least a dozen times a day from a mobile phone (ive got caller id) Now he has sent a letter demanding money i owe to Barclaycard (i dont deny the fact) which i think is a lot more than i originally owed, also a photocopy of my house and a photocopy of my experian credit report with the barclaycard debt highlighted. I feel very threatened by the photo of my house (which belongs to the council so i dont know why he sent a photocopy of it) and very vunerable when i am on my own. Does it mean hes watching me? Please help me urgently, i am at my wits end, very frightened and having sleepless nights. What should i do?