Hi, I have been on this site for a number of years but this is my first post so here goes: In November 2000 my wife took out car finance with Credit Acceptance Corporation via Direct Car Finance but in 2001 she had to leave work due to complications in her first pregnancy. A default notice was issued and we were passed to a number of DCA's until it was finally passed to Marlin. Our financial situation worsened and we ended up with numerous creditors to which we paid a nominal sum to with advice from the Consumer Credit Counselling Service. As things got worse for use we got to a point where our Mortgage arrears were critical and I had to go to court to prevent out house being repossessed, and a suspended repossession order was granted and is still in place. We then took advice from National Debt Line who advised us to only pay essential debts as we had no spare money for non essential debts. We stopped paying non essential debts in July last year and have had a few threatening letters from various DCA's until today when Marlin escalated their attempts by sending Marston's to our house on a doorstep visit. We were not in at the time so they left a letter saying that they would return in a few days to discuss our account and payment proposals. I must point out at this point that this account has never been to court and there are no CCJ's for it, nor has marlin reported to the credit reference agencies for this account . In fact this account does not show on our file at all as it was from so long ago. Our worries are as follows : 1. Can this account still go to court and a CCJ obtained? 2. What powers if any do Marston's have as regards to entering the property and obtaining goods? 3. What can I do to stop any of the above action? Can I politely ask the to leave and/or contact police? I am not too worried about a CCJ or even a charging order because with the mortgage arrears and arrears on a secured loan our property is in about 20k's worth of negative equity. I just cannot be done with doorstep collectors as my mother passed away 3 weeks ago so I am not in the right frame of mind at the moment. Sorry for the long post and any advice will be greatly received. I must also point out that the original agreement was taken out in my wife's maiden name as at that time we were not married and all correspondence is arriving in here maiden name although they have spelled it incorrectly so am I right in telling DCA's when asked that there is no one here of that name?