Hi guys, cheers for the replies. It was a bank debt with BOS, student overdraft of £1K. It was like 9 years ago. BCW contacted me around 24 months ago i think. Had nothing but nonsense since. I genuinely have been thinking "fair enough made you were young and foolish, pay back what you owe". Nowadays it seems as we are all financially jack knifed so I have to ask about the legitimacy of these debt companies and guidance because I am getting a right shafting be these idiots.

Hi there folks, I am new to threads etc but here is the deal.. . I have been dealing with this company for a wee while now and i am starting to really question the legitimacy of their ways. I have attached a visitation letter that i received this morning (17/9/12) stating i have dishonored their agreement blah blah. I had a direct debit with them for £20 per month and everything was hunkydorey until i lost my job last November (2011) due to my health. I was unemployed until June 14th of this year, i have struggled to keep a roof over my head and even eat, my student loan was the only thing keeping me alive (just barely) and i have been living off around £40 a month.....but i still payed them!!! All of a sudden my direct debit seemed to miraculously stopped for no known reason, there was always money in the account to pay them (i like the easy life and have far to much to deal with right now than lovely red text letter trying to force me to give them money). I contacted them in April asking why they stopped the direct debit (because the bank didn't and i certainly did not). I was given no real answer, just another disgruntled Glaswegian call centre worker reading his pre made script. I told them why i lost my job (i was diagnosed with a spinal disease that is incurable, im only 26), to my surprise they seemed quite compassionate and i thought everything was fine. We arranged for a direct debit to be set up again of £20 per month so happy days. NO! far from it, i started to receive text messages saying i must contact them urgently etc, so i obliged, phoned them, got another disgruntled worker, who read their script, and spoke to me which can only be described as a piece of excrement on the end of their shoe. He told me we are going to visit you etc. Now under Scottish law what is the deal with these visit letters? I am in the process of contacting the bank who the debt was originally for as BCW wont give me any official proof that they have this debt contract on the bank's behalf. I have no money, behind in rent, planning a wedding, no savings, no property (as i can only just pay rent), no assets, plus i am trying to put myself through my final year of college (HND sound production). As you can see the debt is for £717 or something, and never seems to go below £700. I will try and get other letters from the year to draw comparisons. Can someone please help me here? what can i do, who can i talk to or see? Its beyond a joke and they are not professional at all. I live in Scotland, i am Scottish, but i dont know too much about Scottish debt laws etc. Please help. Thank you