This particular debt is in my name. In my original post I meant the CCCS correspondance was in his name which is why they were forwarded to him (I didnt open his mail) and he ignored them, which is then why they cancelled the debt management plan due to lack of contact.

This debt IS in my name, there are others too from when my husband owned a business and I got finance for him....stupid I know but we were married 13 years when he left.

Hi I have been in financial difficulties since my husband left 15 months ago, he returned to America and has nothing to do with me and our 4 kids. Prior to this we were ona debt management plan with the CCCS but all letters were addressed to him and forwarded on and he ignored them all and they cancelled the DMP. I am doing a degree and MUST finish my last year. This morning I got this email: We have been appointed by the above client to recover from you the amount owed on the above contract. Our client is disappointed that despite their attempts to contact you, you failed to pay or advise them of any financial problems that you may be having. We have therefore been instructed to visit you at your home to either collect the full balance due, or make arrangements for this long overdue debt to be repaid as quickly as possible. To resolve this matter without the need for a personal visit, you should call one of our Advisors on 0844 257 8555 who will discuss your repayment options with you. Alternatively, you can repay the outstanding balance online using a debit or credit card at If you are experiencing financial difficulties, please let us know and we will do our upmost to help you. If you choose to ignore this notice, we are left with no option but to instruct one of our Debt Collection Agents to visit you to discuss your proposals for repayment. If you have received this email in error please notify us by calling the number below. Any advice on what I should do would be gratefully received. Thanks