Hi everyone, hope you can give me some advice. To cut a long story short until a couple of months ago I was paying Churchwood Financial £80 to pay off a 4 credit card debt. I could not afford this as I am currently not working and my partner was kindly paying them from her part time wages. Upon speaking with the CAB I discovered I was eligible for a DRO(Debt Relief Order). I cancelled the account with Churchwood. Upon further chats I decided to use the self help pack and offer each creditor £1. Our disposable income was £7!. I sent each a very nice letter informing them that although I qualified for a DRO I would willingly pay them £1 a month until my circumstances change (which I hope they do, hence the reluctance to try a DRO). I sent the letter, complete with other creditors and amounts and also a budget sheet clearly showing out budget. The creditors were Cabot, Capital One, Moorcroft and Link Financial. Moorcroft have already agreed the amount. Cabot and Link have yet to respond, even though I know they got the letters on 28/08/2013 as I have a signed for receipt. Now the unusual thing. My father has recently gone into a nursing home so does not live at my former address. I also do not live there, as my brother and I are sorting things out there to sell the house for dad. I still check the post there every day. Last week there was a letter from Capital One saying they had passed over to Fredrickson International and I should deal with them. Well, I ignored it (my new address since August of last year was clearly stated on the letter to them on 28th August!). I went down again today and find a letter addressed to me again from Fredrickson International saying they want the full amount to avoid "further debt recovery". Now my question is, do I let them know I have the letters? (even though they are to the wrong address and Capital One have a letter with my new address on anyway!) and do I pay Moorcroft as they agreed, and contact the other two to find out if they want to continue?. Or do I just wait it out?. Would appreciate any help on this. Thanks very much Andy