Hi All, As predicted recieved my first letter from Wescot today. Having asked them on the phone to send me a breakdown of the account and the detail of the payment i made in 2006, which i do not believe i made, i have now recieved a letter which says "Despite a number of requests for payment, you have failed to agree and maintain an acceptable repayment plan on the above account...." It goes on to say that my account has been refferred to Nelson Guest and Partners solicitors with a view to issuing proccedings against me. Firstly they have not made any attempt or any requests for payments yet, and i asked on the phone for them to send me details of the account which they have failed to produce. they are threatening me with A charging order against my house an attachement of earnigns order and a warrant of execution Can they do any of this without producing evidence of the existence of the account. Can you also give me a link to the best prove it letter on the site. Also they sent a postcard to the occupier to my house, i think one of you said this was a breach of the rules, should i bring this up the prove it letter? Any help would be great guys. Sorry had a look for the letter on the site but could not find it. Thanks Manc:-x

Thanks guys, I'm really glad that me phoning them back and confirming who i am is not accepting the debt, as i read on another forum. The postcard was really bizarre just came through letter box to the occupier asking to phone emma back on a number quoting a reference number. I feel really stupid having phoned them, reading the forums here. I did not give them phone number and used 141. I think i will take revernant's advice and wait to see what they do. It is so hard to think about payments i made in 2006, but i am pretty sure any debts i had were cleared in 2004. I wait and see with what they come up with. Thanks again guys. Feel a bit better about this already. m

Hi All, Apologies for posting a new thread i am sure the information is somewhere on here, i am just feeling really stressed and upset. I recieved a postcard through my door, which i now know i should never have replied to. It related to a debt from 2004 i think, but i cant be sure. They say i owe £3000 and made a payment in 2006 again i have no recollection of this. I have had debts in the past but i was sure i had paid everything off. I believe that as i have confirmed my address and date of birth that i have now accepted the debt? Is this true? I never admitted to the debt over the phone. I am terrified that they will try to get money off me now. I really need advice on what to do. I have asked for a breakdown of the account as i have no recollection of it. Is there anything else i should do at this stage. I am really down and stressed out about this, my debts caused me to loose everything a few years ago, i thought i had got my life back now this. Not sure what to do. any help would be great. Thanks.