most debt recovery firms are not baliffs so the threats of them coming to see you are bull.
secondly you did not borrow from them so how are they entitled to money from you. ask for the original signed crebit agreement most time they cant supply it and never admit the debt.
spot on.
debt recovery firms are just crooks themselves who try anything to get money out of vunerable people, they try tactics like the baliffs will come which is a pack of lies to scare people.
they tried with me but I just use to laugh at them on the phone, when they persisted to call several times a day I gave them a final untamatum, stop calling me or I wouild get very offensive to the person calling me. and heres the best bit, they told me if I did they would call the police as they recorded the phone calls.
thst fine I said and I welcomed them to do call the police but reminded them that it was them calling ME and me being abusive not me CALLING them
for some reason they stopped calling me
they aslo told me I wouldn't be able to get credit again which is partly true but only for 6 years and then I clear my dredit file, in fact Ive already got 2 new credit cards