I have just sent a letter to capital finance one, mt collect( the "baillifs) oft and ombudsman services to state that they have no power to do anything and that i feel "threatened" by them. MT CLOLLECT aslo do not have their website working so there is no way of telling what licences they hold.

no, they say they have little option but to start lagal proceedings, failure to respond to a county court summons will result in judgement being entered by defult. following any county court judgement being recorded against you we will be entitled to costs on the summons which will be added to your debt.

MITIGATE TRACE & COLLECT stated they will start legal proceedings as going to court ect. ill wait to see what happens

I had a text yesterday from mr marsden, they are also a company called MITIGATE TRACE & COLLECT. Very rude and ignorant company. I vrebally agreed to pay £200 in one go then £100 a month to clear the debt. I then spoke to Mr Marsden and verbally agreed to pay £64 a month. I called him today and was told if I dont pay £200 i will have door to door collection. cant wait