im new to all this and not sure where to start
ive been in financial trouble and been unbale to pay my halifax credit card
i currently owe them 15,120 33 p
until 4 years ago i was paying them 350 a month but
i lost my job and home so was unable to pay it
i did write to halifax and it was agreed at first i paid 20 a month
then for the last 3 years ive been paying 1 pound a month
when i moved house i did not tell them my new address scared they would come after me
i never told my wife about this debt
ive been paying like a said a 1 for nearly 4 years
they have defaulted my credit rating
at first i got letters from halifax then it seemed to have been passed on to albion collections for 6 months
then for the last 3 years blair oliver scott
i continued paying 1 pound by putting a pound in a bubble wrap envelop using my old address
i know silly but im so scared of letters coming to new address council housed me
i continued to write a letter once a month to them with pound enclosed with old address at top of letter and remebering when its due
on monday i got a letter at my new address from a company called wescot debt collectors
saying i have to pay in full 15,120 in 10 days to avoid further action
i was so shocked i ripped it up and threw it in the bin
then i wrote a letter with old address at top of page as normal sending a pound to balir oliver scott not wescot
how have they found me?
are they fishing?
have they looked on electoral roll?
if i get further letters do i put not known at this address and send it back in post?
is it because i have not paid the agreed pound for 3 months?
what are my rights?
i cannot pay this off i have no assets or savings
will they keep sending me letters?
terrified wife will get post
would they come knocking on my door?
surely many people have the same name surely they cannot be sure im the correct brian?
i dont want debt collectors/baliffs on my doorstep
can they take me to court?
do they have to prove im the right man?
im scared i cant afford to clear this debt ever
why has my debt been passed from one debt collector to another
sorry about all this
please can you help