I wish I had known about this forum earlier. better late than never.
I had an MBNA credit card and around 2008 lost job and later at some stage defaulted.
Debt changed hand and moved to a couple of DCAs and then Britannia decided to take me to court.
I was shaken and didn't appear for hearing. Had never been in any problem with the law.
Court decided against me and I wrote to court (they were very helpful) explaining my state.
Court decided a token payment of £1/week. This was in 2013.
I have maintained this ever since.
The debt changed hands again, I believe. Every so often I would receive a letter from a different outfit (think about 7 in total) asking me to contact them.
Now, Lowell say they have bought the business and have sent me an income-expenditure form.
I am both annoyed and confused as to what to do?
I have only just started getting on my feet and there is so much that the house needs due to neglect in maintenance.
I would be most grateful for guidance.
Thank you