This needs to be dealt with as collectors share data with credit reference agencies and your parents address will be listed as you last known address. Even if you have got a copy of your report you so t have seen what creditors get to see its totally different. And you need to see all three reports they do t all use Experian. Write to the creditor/collector from your parents to say wrong address you dont live there. Take copies of all letters sent for the debt collection but return all originals. They have to amend records both theirs, the original creditor and the ref agencies. Then write to all ref agencies - not asking for the report but specific questions as to who has searched your records in last 12 months - they have to tell you. Then write to Citi asking for a completion statement for the debt you paid. Send a copy to all credit ref agencies to amend the record. If they don't stop trying to collect call the FOS.

You won't have done as the summons was issued and acknowledged by you the judgement can be automatic. Did you get the agreement not to proceed with the action whilst negotiations were being agreed IN WRITING ? If not they can proceed with judgement and ask the court to consider your I&E for payments.If they did write then you need to apply for the judgement to be set aside as they have not followed the agreement you had in place and appeal to the judge for fair play. If at the end of this you can still only pay a small sum each month then let the judgement stand and make sure you pay. If you own property the next stage is to secure the judgement with a charge.

No- one can be forced to pay debts in your name only. On death an application is made to the estate of the person who died. If its jointly owned then it joint and several so becomes your husbands property its the equity within it that's in question. If I was you I would write to each creditor explaining your sad situation sending evidence of the diagnosis a d ask them to consider a write off . It will slow down collection activity. Ask that they only write to you as you are too ill to take calls. Explain there are no funds and no equity. If they refuse offer a little payment What you do NOT want is for them to try to secure the debts on your property before you die. They have to show forbearance. If you get no joy engage a charity like Citizens Advice they will make the write off requests for you.

Not correct - statute barred is no contact between you and the creditor for over 6 years not just no payments. If you have just ignored calls and letters and you are at the same address you wouldn't win the argument. Debts stay on your file indefinitely until you pay them off -its the history of the debt that drops off but it remains for last 6 years whether you,ve paid it of not. When paid it shows paid but history of payment can only be removed after 6 years not before.

Hi Best to write to both Fire and Cabot , write down what you can afford ask how to pay online if possible and then make a regular payment even if its small. Doesn't matter if the debt is from 2005 its not statute barred. If you contact them saying in writing only they have to comply. The threat of a doorstep collector is not often acted upon its part of a build up to put pressure on. Don't ignore though it just makes it worse. Take control and tell them what you will do how you will do it and to stop calling you.