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  1. Hello, I have the following issue and was wondering if someone could help me figure out what I should do: CRS (Credit Resource Solutions) are txting me every day regarding a very old debt (but not older that 6 years) to a payday loan company Pixie Loans. They only text, never call and I never received any letters via post, I think they don't know my address as I have moved. They are threatening with court actions and CCJs. And told me that they have sent me a letter but I never received anything apart from regular texts. Is there anything they can really do, can they really take me to court if I have not received any official letters via post? I was thinking of sending them a letter and asking to do everything only in writing but at the same time if they do not know my address and my email address - I do not want to give them that information. And sending a letter without a return address doesn't seem to make sense... Not sure what to do in this case. Are these texts enough to get me a CCJ? should I reply?
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