Hi All, Just had a very frustrating conversation with someone at MRS Ltd. Basically my partner took out a QQ loan back in July 2011, we ran into difficulty as I lost my job and subsequently informed them and started the DMP process for all our creditors. Anyway all but QQ replied and agreed to our offer of payment. We kept sending QQ letters/emails offering payment and was receiving no response, not even one to say they were coming after us. Eventually we stopped as they weren't bothering us. Fast forward to May 2012 and we finally received a letter from MoorGroup on behalf of QQ, we replied to them and they didn't reply. We sent one further email and still nothing, not even to chase. Fast forward to beginning of September, we received a letter from MRS Ltd explaining that they were about to start litigation. At this point they hadn't mentioned a creditor or the amount due, so we ignored them. A week later we received the same letter with a deadline on it, this time with creditor details and amount due. They are working on behalf of QQ. We sent an email detailing an I/E form with offer of payment. A week later (beginning of last week) they sent an email (they hadn't done this before we sent them one) giving us a new deadline. My wife replied asking if they received the previous email.......again nothing. On Monday this week another email giving us another new deadline.....again we replied and received no response. Today (which is not past the previous deadline) they emailed again saying 'We have taken the relevant steps to verify your current residential and employment status, and are aware of no legitimate reason as to why your account has not been paid' and they have threatened to sent a Field Collector round. Anyway at that point I started to get slightly angry and my wife informed them to call me. I decided to get there first as they were p***ing me off. After taking a while to confirm that I had authority on the account, I explained that we had sent a number of letters and emails explaining the situation and offering payment. All I got back was that the debt is 13 months old and they are going for a CCJ. I must've then hit a nerve because I repeated what I had said previously and got a different answer, this time a threat that they were going to make my wife bankrupt. At which point I again repeated myself, he then asked me if we'd made an offer of payment, I replied yes and gave him the amount. He then said 'see you in court' and put the phone down. No other words, just them 4. Sorry for the rant but they have made me quite angry about this :mad2: Not sure what my next step is apart from waiting for the paper work. Should I expect any? Are they just hot air or have they ever taken someone to court?