I'm not as worried now, thank you all! I just don't like the idea of them turning up at my door harassing me and upsetting my baby! The debt is for an overdraft that was never paid back for various reasons. I'm a full time mum with no money so it's not like they're gonna get much of the debt back at the moment. I defaulted in 2008 and haven't spoken to any DCAs at all...I'm sure Westcott were ringing me for a while and harassing me by post but I ignored it. Anxious xxx

I have an outstanding balance with Lloyds TSB and have been receiving letters saying that it has now been passed to Credit Security. The other day I had a card through the door saying that a doorstep collector had called to see me(!!) and that I now need to ring his mobile number to reschedule. I don't recall anyone knocking and there was a 1st class stamp on the envelope which seemed odd. Is this scare tactics or can they really turn up at my door demanding money?! My fiancé said not to worry too much but obviously I'm panicking now please can someone advise me? Anxious xxx

And wait until 2014 when it becomes statute barred...?

I just don't know what to do because they are just fishing and hoping to catch me out...

CRA says Arrow Global for the loan...aren't they Fredrickson?

How does a CCJ work? Is it possible they've already sent one to previous address? I have checked CRA and nothing shows up of any concern...none of my debts show up on there as in dispute/not paid etc. except for 1 I think! I thought all the info woul be on there but it isn't!

It's only Fredrickson writing at the moment and I have no idea who they're chasing for so didn't wanna speak to them and drop myself in it. I've been ignoring anything that comes through as they're only attempts to "fish" so far and the calls get ignored. They stop for a while and start up again All of my debts are CCs, loans and a catalogue...I also have an overdraft that I never paid back. Is that gonna be an issue because it's a different type of debt? I have no paperwork as I shredded the lot ages ago because it was cluttering up draws too much. How many times are they allowed to call you in a day? Thanks for all the advice so far!

I don't pay anything at the moment and none of these companies are in communication with me except for unanswered phonecalls and fishing letters trying to get a response...

I took out various things from 2001-2005/6 then had trouble paying them 2006/2007 so stopped on all of them. But I was paying them without fail every month before. Just wound me up how quickly companies sell your debt on and refuse to deal with you when you explain your situation!

Thanks for the letter template! I may have to send that when they demand payment by letter, at the moment it's just fishing. I have been contacted by McKenzie Hall, Fredrickson International and Robinson Way but I have no idea what they are chasing for as they've never spoken to me. I've ignored calls and looked up their number afterwards to see who it is. Contacting them by post would confirm my address to them which I don't want to do because of the grief it may cause my family. OCs are Nationwide (13k), Capital One (3.6k), Lloyds (2k)...but I have no idea who has referred the debt and who hasn't and which DCA is now chasing each amount as the letters say nothing about their "customer" and the calls aren't answered. What are the chances of a CCJ?

I did wonder if the prison thing was just a scare tactic! I was at work at the time and it frightened me quite a bit as it was the first time I'd struggled to pay debts. I haven't spoken to any of these companies since 2007 and made a payment toward my loan in 2008 and then stopped because they were harrassing me by phone/post and I didn't eat much that month 'cause they talked me into paying more than I could really afford! I think the debt in total goes up to about 15-16k and none of them are with original creditors anymore. All debts have been sold on several times as many different companies have contacted me. Only problem is I don't know why the current 2 are chasing me and for who so I don't really want to contact them. I'm waiting until they are statute barred...BUT if I make contact at all does that restart the 6 years again? Sometimes I answer the calls, mute them and just let the person say "hello, hello" before hanging up so they can't fill my voicemail with stupid messages asking me to call them. I've got no payment plans set up with any of them and it seems like they're just fishing at the moment. Surely any letters should say who they're collecting on behalf of? Is this gonna get worse or shall I just carry on as I am avoiding the issue? I can't even remember how much I owe, it's been that long now. Anxious

I am being called constantly by Fredrickson Interntional and Robinson Way. I have no idea what they are calling for because I never answer their calls. Fredrickson are now sending me letters at my home address but they don't say who they're collecting on behalf of, just to constact them. I have several debts which have all changed hands SEVERAL times and it's not the original creditors i.e. banks contacting me. Should I be worried? Where do I stand legally? The debts are all from 2007 and I'm not in a position to pay anything at the moment. I'm too scared to speak to them because of this and tactics they use. One DCA told me once it was theft and I'd go to prison. Can anyone please advise me what to do? At the moment it's just telephone calls, but how far can they take it? I've heard a lot of different things from people and I just need to know how anxious I should be. Thanks in advance. Anxious