In response to Bazooka Boo. In 2009 I received several letters from Debit Finance Collections which I responded to and then this new company called Collect Direct have written to me. Maybe their the same company, I am not sure to be honest. Have you had any contact with them?

Hi All I have received three letters in the space of two years from Collect Direct (Improved Financial Solutions Ltd), the first letter was to arrange payment the second was a Notice of Legal Proceedings and the third was to inform me of their intentions to send a local representative to my house. Has anyone else had these letters or similar activity and what was your outcome? Did you pay up in full, make an arrangement or ignore. I am so scared now and I don't know what to do, I think they are starting to charge me administration costs too. Is this legal? Any advice would be good!!! Thank you