Hi wondering what is the best route to take here? Around 2008/9 I took out a vanquis credit card online which I had being paying every month with no problem they kept putting my limit up every couple of month till eventually it was - if I can recall £2000 limit. everything was fine until there was a big change in my circumstances and then I couldn't afford the payments . I was very unwell with the change and couldn't cope with any kind of responsibilities at that time. s o kinda stuck my head in the sand. at that point think I owed £1485 roughly to the credit card but as payments were not being made the interest /late payment fees kept mounting! I now owe £1830 .this balance was then passed to 1rst Credit and initially and they sent me a letter offering me a full and final settlement offer roughly for £900 which would have been Ideal big discount - but I genuinely didn't have the money to pay therefore ignored the letter. . I have since then moved house and have had constant texts, mobile phone calls (don't know how the got my number ) from all the above DCA and threats of court action from Bryan carter, Fredrickson although I never answer any calls from unknown numbers it will most likely be them so they haven't proven my ID yet, it's been about 2 years and 3 months since I last made a payment.. now Arrow global have passed it onto DEBT MANAGERS LTD, are they sending letters out weekly, latest one doorstep agent visit, to discuss arrangements for payment of the full amount owing ..and that I may be entitled to a discount without prejudice for immediate settlement ..do I keep on ignoring these letters what do you guys suggest would be the best step here?