Many thanks for all the answers you have given. I should have mentioned to debt is for a car loan and has been passed onto Credit Style, do we still have the same legal rights. What is their position on repossession, are they able to claim car without a court order?

Sorry to be a pain, but have just had a visit from Credit Style agent, who was getting irate when we re-iterated that all communication must be in writing. He finally left after we refused to to complete and Income and Expenditure on doorstep, (he told us it had to be completed with in there and then by him) and left it for us to complete and post ourselves. As we have written to them on more than on occasion stating all communication must be in writing, can this visit be classed as intimidation or harrassment? His argument to visit was post takes too long!!

Thanks for reply cerberusalert, I was was pretty certain that we didn't have to give a phone number. I had the same reaction to the e-mail address issue as well. Have written back to them re-stating all communication must be in writing, (taking copies of everything we send them, and printing name not signing).

I have just received a letter from Credit Style Ltd in reply to our letter to them, asking that all communcation be in writing. Their reply is as follows: Please be advised that this account can not be resolved without speaking to you personally. Could you please provide either a viable contact number or email address that we may contact in future. Can they legally make us give phone number, and also if they need to speak person to person why do they want email address?