The debt that I received the doorstep visit about was £217... it started off at £100.. ..The other payment is an Argos card that started at £500 and is now £820. Although there are debts with larger amounts outstanding I have up to now not been contacted about them.. . I am scared off writing to them and my husband is also very reluctant to do this.. . We have had letters offering reduced payments etc....

No she hasn't paid anything.. She is 40 by the way....Old enough to know better...I was hoping that I could probe that they weren't my signatures. grrr.

Thank you for your answers... I have looked at my credit file and it states that the defaults are with Lowells. (although) the letters that come are no longer from them. The default dates are 19/12/2010 29/10/2010 and 1/11/2010... . I made the mistake of giving my daughter's address when we emigrated... Forgive me for being naive but do you always have to sign something to take out a credit card with Argos.. My daughter claims it was all done online and she didn't have to sign anything. Likewise the catalogue companies... I appreciate that I should really report her to the police but her mental health is not great and we have 2 grandchildren who we think the world of...feel totally betrayed by her... We had a fantastic relationship before this... We have never replied to any of the letters after making a mistake with the first company.. Most advice says never ring them... Sorry to be rambling but for a couple who have never owed anyone a penny it has come hard for us...

I hope someone can help.. My husband and I are at our wits end and he is not a well man. We went to live in Turkey and left my daughter's address for bank cards, Post, doctors etc.. When we returned 6 years later we got a debt letter from a company we have about a debt we have never heard of.. My Daughter took out catalogue debts and an Argos credit card in my name.. Also a studio catalogue in my husbands... We have since been bombarded with letters and have chosen to ignore them. Citizens advice have said report her to the Police but we are very reluctant to do this as we have 2 grandchildren and my daughter has Bi polar disorder.. Today we got a visit from a debt agency called Fidelite? I wasn't in and we are understandably very upset by this. We have never been in debt in all or our 60 odd years.. Never had a credit card and have always believed in savingu p for things we need.. . We own our own home. paid for cash from the sale of a business. Any advice will be most welcome. CAB just said pay it or go to the police. We live on disabled benefits as my husband is seriously disabled through a stroke... Thank you for reading this ... I did ring a debt help line who said that I must pay them... The amount comes to about £4.000.. I live in fear of my neighbours hearing about all this....