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  1. Over the past month, I have had numerous phonecalls from a mobile phone number I don't recognise (got the number by dialling 1471). No message left on my answerphone so, I just ignore them. (had a suspicion it might be from a DCA). My phone number is ex-directory but it seems that these parasites can somehow get hold of ex-directory numbers. Anyway, I was out all day yesterday and didn't get home until 4am so slept very late into this afternoon. Comes down to find an envelope. In it, it contained a business card from Scotcall - complete with the same mobile phone number that keeps ringing me. I suspect this is for an old debt which is either just gone past it's sell-by date or just coming up for it. I think it is for an old Barclaycard debt. If it is, then it has done the rounds of nearly every DCA in the country! I have not been taken to Court. They have threatened on the card to come back again (harrassment?) My attitude to them is to go away in short, sharp, jerky movements. I will not contact them, talk to them or in any way be intimidated by them but they do seem to be getting rather desperate. Even if I did admit such a debt, I do not have the means to pay a penny. I was widowed earlier this year and my late husband left me virtually penniless (he didn't have life insurance). I have to live on £300 a month which consists of my late husband's two small pensions and the Widows Pension (can never remember what the new name for it is). I've cut expenditure to the bone and am thankful at the moment it is not too cold so have kept my central heating off. Thankfully, I get most of my rent and council tax paid for me but it is still a struggle. There are very few jobs here, not even temporary jobs and being in my mid 50s doesn't help either. I don't seem to get past the application form stage! I wish I could find a job as it would at least get me out of the house for a while. I started machine knitting again in the hope that I would be able to sell some knitwear. Sod's law, the machine broke down and is now in for repair. Anyway, I digress. How to deal with ScotCall. Should I just carry on ignoring them and hope they get fed up and go and annoy someone else? Incidentally, I had the Barclaycard in 2004. For some reason they put a stop on the card before it had reached it's limit of £500 despite the fact I used to pay the balance always on time so the initial debt was just over £400. We fell into financial hardship and I couldn't pay the outstanding balance. The last time I had a DCAs letter about this was a year ago - they were claiming just over £800. Said letter went in the shredder. It's been a horrible year and despite everything that's happened, I try to remain upbeat but I am starting to lose hope now. Things can only get better doesn't seem to be happening despite my best efforts
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