Hi there. I am here for some advice! I have many debts in long term default, for some time now I have had agreements with my lenders or their debt collection agencys amicably paying back affordable monthly ammounts. A few months ago one of the smaller and older of these debts a Lloyds credit card which had defaulted over 10 years ago and since paid back over a very long time at 5 pounds a month with approximately 400 pounds left to pay was aquired by debt buyers Idem servicing. There are many threads about them here detailing similar experiences. their hallmark seems to be the stubborn insistance that the debtee fill in an exhaustive income expenditure form before they will discuss anything. I am not inclined to do this, I am aware they cannot legally require this. I want to offer them a slightly improved repayment agreement via standing order without completing this somewhat insulting and invasive form. From what I have read here they will refuse and make threats to pass it on to their in house CCA Arden. As such my question is legally what can they do??? Can they put a debt already defaulted many years ago back onto my credit file? They are now cranking up the pressure with phone calls (as late as 20.40) and innumerable texts. some pertinent facts of the case. 1. They are now the legitimate owners of this debt (confirmed in writing from Llloyds). 2. The debt is not currently on my credit file (checked) 3. The debt is not statute barred as it has been consistantly paid (albeit at a token ammount) many thanks in adance! Simon.