Hi, please excuse me if I have posted in the wrong area, I had a credit card with MoreThan in June 2004, in June 2006. out of nowhere Morethan stopped supplying my credit card, and the account changed names to Lloyds, and I was sent 2 credit cards in the post, 1 a mastercard and 1 a visa I think. I never signed a credit agreement with Lloyds, when they sent me the cards. Due to long term sick at work and losing my job, I got into a lot of financial problems, and defaulted on this credit card in December 2008. My last payment to them was May 2008. After the initial letters whilst depressed, I never heard anything for a long time, over the past few years, the debt has popped up with numerous DCA's sending me letters, but about 4 months ago, I had a strange letter from Llowels saying they now owned the debt, and have been sending me monthly statements. I am now receiving daily texts, and daily calls on my mobile and home phone from them (my house is currently being sold), so I am not living at the address, so the calls there are not a problem, today I have received a letter from their legal department threatening court action. I have today checked my credit file, and my Lloyds default has been settled, and at the same time, I now have an account with Llowels on my credit account for this. so it looks like 2 bad accounts as well. My questions are, firstly, any advice of how I should proceed. 2) Can they do this on my credit account, My worry is I am moving in with my bf, who is very credit conscious, he knows of my problems from my past, but wants to deal with it for me, but I am scared that contacting them, will mean I am admitting I owe the money and I will never get them off my back. Thank you