Errrmm where to start, I had a call from 'LF' a long time ago(several years ago) where a nice lady informed me I owed them money and ask me to pay of seventeen hundred pound debt to which I replied on the phone that I was no longer in employment and signed of work due to illness, lady said fine and heard nothing from them untill the last year and a half(2010-2011) of constant phone ringing, I would answer and tell them the same thing untill I got annoyed and was speaking with a man and a stupidly friendly woman and agrred to payment plan in December/January of £5 a month, I paid 1st 2 months but got to Febuary and I rang them up to say that my £5 payment would be 3 days late to which the man became very hostile and shouting down the phone at me (no recording ) so I hung up, I havent had a phonecall for 2 months and then another friendly woman phones me asks about paying off debt when I mentioned the hostile male she assures me he no longer works for them but insists I pay off the debt to which I replied over the phone that I would love to clear it but being on benefits the last 2-3 months ive had little to no money left to give, just surviving myself, she then goes on to say she is sending a letter for me to fill out showing my proof of earnings/benefits, it turned up but I threw it straight in the bin, today I get 3 calls in a row, 2 I didnt answer as was busy but when the 3rd call just kept ringing and ringing I decided to pick up and some man(no name) asks me if I have recieved the letter, I replied no, he says they will send another one, also he says something about them 1st being in contact with me in 2004
That is the basic outline of my prediciment and am looking for help/usefull info about this as I have looked before on the web and not found much info and have not been to the CAB and dont do well with explaining stuff in front of people
thank you for your time
keep up the good work
everyone has the right to peace of mind