After confirming who I was they said they the full amount is now due (£5165.06) and how would I like to pay it, I told them that I have no money as I am currently unemployed.
They said I have 18 days to send them a letter with my incoming/outgoings listed on it otherwise they will go to the County Court for a bankruptcy petition against me.
They also said that in 2007 I made a payment to them,I told them that I have paid nothing and that the debt goes as far back as Feburary 2005.
Not sure what I should do from here, I along with my wife do own our home but like I said earlier I have no job at the moment as I've just lost my job so all money we get is put aside to pay the mortgage.
I know the bank where the debt originated from handed over the account to the banks Debt management team on or before 01/02/2005, this is the date on the letter from the bank that I have kept.
I did not let the Field Agent into my property and I didn't sign anything.
Can anyone tell me what options are open to me and how I should address this please.