Hi got a couple of questions got letter from 1st credit who said they taken over debt from which i owed from Halifax credit card.. They sent letter threatening county court proceedings 1st i house share, i rent room from the live in land lady, so property has got nothing to do with me..so where do i stand with them and poss bailiffs? my rights? 2nd i have not spoken or acknowledged this debt to any of the agencies that has tried to send letters in the past, nor even Halifax. which i believe now is over 6 years since i stopped paying.... i cant exactly remember the dates but could be just under or even well over 6 years....so what is my rights there.... 3, i do pay out my monthly wage nearly all in full each month on bills, seen a site that says apply for an D R O ? what is the best path to take please ?