Hi All, I was in the shower this morning when I missed a visit from a DCA called "Resolvecall". They had written to me a few weeks ago threatening a doorstep visit but I didn't think they actually would. You can imagine my surprise when I saw a brown envelope on the doormat this morning with my name handwritten on it. Postcard inside they "called today for the 1st time regarding your account" with a ref number and number to call (an 0844 one ). I'm currently living with my parents (due to job loss) so obviously this is causing me more stress and worry as I don't want them having to deal with these people. I'm not denying that I owe the debt (it was originally a Northern Rock loan taken out 7 years ago) but like I said I don't want to deal with these people in person or keep having them turn up on my parent's doorstep when the debt is nothing to do with them. I'd be grateful of any advice you could give me. Thankyou.

Hello all. As this is my first post i'm trying to keep this as legible as possible, bear with me. For the past three months I have had several DCA's on my back for debts (some are legitimate some are not) and it has reached the point where some are threatening action/home visits and such and frankly phoning my parent's home more than half a dozen times a day. Most of these debts are relatively minor (the biggest is £133) so obviously i would prefer not to blot my future credit due to bad circumstances at the moment. My uncle died a few months ago on my 23rd birthday and as i was very close to him i have been suffering from fairly severe depression (which i suffer from anyway) - i ended up quitting uni and have not been working since. Here's the rub, i am also not claiming any benefits of any kind as i would feel wrong doing so. I have been living at home with my parents living on very basic food, not going out, having no money to buy anything etc. I am just concerned that due to the way things are at the moment i may end up in some kind of trouble that will haunt me in years to come. Any advice on how to deal with these people? Companies involved: Credit Solutions (Who to be fair to them have been reasonably fair and polite for the most part) Scott and Co. - Harassing, rude and sometimes seem to be attempting to scare-monger. Rossendales - Heard about these guys, chasing me up for a TINY bill (£15) harassing, cold calls, threats and rudeness. Also i have been on to citizens advice but the help they can offer me as things are at the moment is very limited. Thanks in advance Farissa/Elliot

This is my first post, so I'm hoping that I'm posting in the right section. My problem is that I've received several letters from E.on threatening to send people to my house and charge £30 for this. I wrote to them about 2.5 - 3 years ago refusing all visits (with the obvious exception of meter readers, which are not chargeable), and insisting that all communication had to be in writing only. However, they have still sent people out to visit in person, and applied charges to my account. Although they ignored my initial letter telling them not to visit, they have replied to one letter I sent refusing to pay the charge and reminding them that they'd been told not to call. This reply was at least a year ago, so their most recent visit last month they can't claim they didn't know I'd told them not to. Now, because the gas was disconnected several months ago (not by E.on) I'm no longer using the supply, so I won't be paying them any longer. I've calculated how much I should've owed by adjusting the bill with the correct reading. But I have deducted the money for two visits, which I told them they were not to make.My query is, that as this will inevitably go to court, will the court uphold my insistence that they do not visit, or would the court rule that I have to pay for this too? I took the wording from a site online - it might have been on here, but I can't remember, and stated that I was revoking implied consent for them or any of their representatives, etc, and they could only contact me in writing. So does this mean that their subsequent visits were unlawful and that the courts would not back them up in trying to charge for them? Note, by the time it gets to court, the only money 'outstanding' will be for the visits I told them not to make Any advice/help appreciated.