I have been paying the same original dca who went to CC. Original dca was Britanica. After this it went to at least 3 different outfits before going to hoist.

Thanks for the reassurance. 5 or 6 'dca' before Lovells the original dcs took me to county court but I did not appear for hearing (just too scared). CC decided against me and after I wrote to them decided on £1 (nominal payment). The ccj was just over 10 or 11 years ago. Since then its been moving from dca to dca. I have maintained payments for the sake of peace. I haven't moved home. I am just worried what will happen if I stop paying... like violation of ccj.

Sorry for the delay. I have been having problems with my printer. The other side of the letters had a list of ooutfits that offer help. I binned the originals after scanning Scan.pdf

willcancel.pdf

I didn't stop payments. It was a case of not waking up the sleeping dogs. They use 'we'll'. My payments are up to date.

This went to ccj around 10 or maybe a bit more years ago and since then changed hands about 5 or 6 times. I have been making nominal payments as agreed/ordered.. by court. None have been missed. Two weeks ago received letter saying I had missed payment and this week received letter saying bring payments up to date or we we will cancel the agreement/arrangement and go after the full amount.

I wish I had known about this forum earlier. better late than never. I had an MBNA credit card and around 2008 lost job and later at some stage defaulted. Debt changed hand and moved to a couple of DCAs and then Britannia decided to take me to court. I was shaken and didn't appear for hearing. Had never been in any problem with the law. Court decided against me and I wrote to court (they were very helpful) explaining my state. Court decided a token payment of £1/week. This was in 2013. I have maintained this ever since. The debt changed hands again, I believe. Every so often I would receive a letter from a different outfit (think about 7 in total) asking me to contact them. Now, Lowell say they have bought the business and have sent me an income-expenditure form. I am both annoyed and confused as to what to do? I have only just started getting on my feet and there is so much that the house needs due to neglect in maintenance. I would be most grateful for guidance. Thank you