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Hello ive been reading around the forum but im still unsure on what to do. My ex employer is threatening to sell a debt to daniel silverman () if i dont pay up to there demands. when i resigned from my post back in august i was sent a letter stating i had been overpaid which comes too 200 quid, i rang them up to dispute it and the man on the other end of the line said it was because i owed them holiday pay, which i took. since then i have not contacted them and have received a few letters the last one being a final notice that if i do not pay up they will sell the debt to Daniel Silverman and that if that happens it will be very unlikely i will be aloud back to work for them. my worry is i don't want it to effect my credit score. my problem with paying up is i have been with the company for 5 years and never once herd of it, also i dont remember signing a contract that said that they could do that and i dont feel like they have explained why. no breakdown of when i took the holiday, nothing. just -ok youve left and you owe us this much.- any advice would be brilliant!