Hi people - i'm hoping somebody may be able to help me out with some advice. I'm currently in a DMP with Stepchange and have been since 2011. One of my debtors was Barclaycard. I have today received a letter from Link Financial, informing me that at the time the debt was sold to IDR Finance UK II Ltd, I had agreed an informal repayment plan. They have advised that although a default notice was issued by Barclaycard in 2012, it was not followed up with a formal demand and therefore it continued to be reported as "in arrears" to credit agencies. They claim that "working with Barclaycard they have identified they have been reporting inaccurate info about my account and are now correcting it". They go on to say I can continue paying the previously agreed amount via stepchange, however if there is no change to the amount then they will issue a default as from Feb 2015. They have enclosed a formal demand with the letter, which also states if a satisfactory agreement is not reached within 28 days the file we be reported as a default. Now dont get me wrong I know have defaulted on the debt, and if the default was "backdated" to 2012, I would have no issue as it is when i defaulted and I have others defaults around the same time. My concern is that this is going to set me back 3 years in terms of getting a clean credit file and I have worked damn hard to get back on track after having my initial problems. I cant help but feel this is pure bully boy tactics. Can anyone offer any advice? Thanks