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I've got 4 accounts totalling £10K in debt, either credit card or bank loans. All 4 are defaulted on my credit report and are all around 4 years old. I received a 'Pre-Legal Assessment' letter from Lowell regarding one of this accounts this morning advising my account is being escalated for legal assessment, threatening potential Sheriff court action. This particular debt is only for £256, so I presume this is probably just hot air. I'm currently living with my partner and I want to know what are the chances of debt collection agents of bailiffs turning up at my door? Would this only happen after court action? Is it now just a matter of time before I get similar letters regarding the other debts, and should I now make arrangements to repay?