I have an outstanding debt with Vodafone, which was passed to Fredrickson earlier this year. I've spoken to the CCCS about my debts, and agreed payments of £35 month with Fredrickson. I registered with their payment site Fredpay.com, and made the first 3 payments by debit card. Then, to save me the hassle, I asked my bank to set up a standing order to Fredrickson. My bank set up the SO incorrectly, so last month's payment wasn't made. I received a threatening letter from Fredrickson, and I replied, explaining everything, I told them when I was next able to make a payment, and told them that I can now actually increase my payments to £40 a month. They didn't respond until earlier this week when I received a letter from them demanding payment of the full outstanding balance within 7 days, or they will take action in the county court!! Sorry for the long post, but I'd be very grateful for some advice

I've exceeded my overdraft limit with NatWest. I've spoken to the CCS, put a budget plan together and offered to pay NatWest a fixed amount each month, but I'm still waiting for a response. I've asked for everything to be put in writing, as the last time I spoke to their Collections Department, they left me in tears. I received a letter from them today still insisting that I phone them. The letter sais they are "disappointed" we have ben unable to reach an acceptable solution, gives a telephone number and asks me to call them immediately. Apparently they want to help me with my problems, "but we can only do so if we talk together" They say that if I don't phone the consequences could include: Legal action which may involve bankrupty or repossession proceedings Enforcement / recovery action which may involve attachment of wages or seizure of assets My details being passed to debt recovery agents which can involve personal visits to my home I'm very reluctant to phone them, considering they are prepared to threaten bankruptcy at such an early stage! Surely a lot needs to happen before bankruptcy is an option. Does anyone know which DCA they are likely to use and if they do have authority to come to my home? I'm grateful for any advice!