Hello everyone. Im new here, so I hope I am in the right place.
I really dont know where to begin.
I was paying my credit card off at a reduced rate until around 3 years ago when my debt was sold to Cabot who more than doubled my payments.
It was too much for me to afford with no job, recently divorced and a young family to support. So I defaulted.
Other than one letter from Cabot asking me for full payment of my debt, I have not received any further payment requests nor notifications of home visits during this time. I have lived at the same address for 6 years. I am in Northern Ireland.
Last week I received a home visit from Resolve Call debt collection agency.
He said I would have got a letter giving me 7 days notice of his call, but I honestly did not.
He was very rude and really frightened me.
He said various nasty things and made some threats of court action, bailiffs and being made homeless if I failed to pay in full.
He also said that he will keep coming back until I pay up.
I have been terrified to answer my door for almost a week.
I really dont know what to do or where to go from here.
I dont have the money to pay them and they wont listen to reason.
I did query the account with him when he tried to push his way into my home by attempting to walk straight through me, but I did not admit to the debt.
They want the full amount or they will take me to court.
My original debt was for £15000 and with my previous payments it now stands at almost £9000.
Any advice would be deeply appreciated.