Hey im new so please be nice I was visited at my home by an agent from Arrow Global an american company who i have never heard of or recieved any corrospondence from regarding a debt with Halifax bank (my old overdraft). He caught me off guard and i was unsure what to do so i told him the truth, im a single parent on benifits with two kids and i have no disposable income!!! JOY he left BUT....he came back again i answered as i thought it was my mum lol (silly me i know) telling me i needed to pay the £1500 patheticly low debt from 2004 within 48 hours. he also told me if i did not i would be taken to court and the proposed £5 disposable income i may have will be increased by the court by 75%.....so this is me getting confused now a court making you pay what you cant afford??. This agent who was at my door might i also add hadnt arranged to call and then decided to take a picture of my house (which i do not own i rent) and then tell me i would need to prove i lived alone to Arrow globel if i wished to set up a payment plan ???? is it just me or do they seem a bit of an odd debt recovery company. I was furious they took a picture of my house as im sure this is not allowed especially if i dont own it and the fact he had found out who i rented my house off by investigating me which has nothing to do with them, also he had finished talking he took out his phone and pressed something so im pretty damn sure he was recording me which yet again i doubt they can do!!! he gave me a card with there number on and a card with What happens if you dont pay on it! so now im stumped at what to do as the agent told me that if i set up a payment plan then i would have to pay £65 a month which i cannot afford and they will not accept a lower amount. please please help