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Hello everyone, I am new here and thank you in advance for any help to get me through this nightmare. I built up a debt with IG Index back in 2008. This was built up through a spread betting account I held with them. I did pay a few payments of £50 or so back in 2009 as that is all I could afford. After that I heard nothing from them. On 12/06/2013 I received a letter from their solicitors saying that the balance of £10,712.89 is due immediately. They wanted payment within 7 days or they threatened immediate proceedings against myself. I wrote to them in reply a