Response to what can they do?

Gennie, Read everything you can on this site, espescially the Repossession page, also the who help's page. Reply to all letters, don't ignore them. Don't admit to the debt and don't fill in an income and expenditure form if they send one, you don't want them to know anything personal about you, they're not legally entitled to this information anyway. You need to ask for strict proof of this debt, all documentation regarding this debt, this site will tell you what to ask for. If they don't provide it carry on asking politely. If you get any particularly nasty letters don't panic, put a question to this site before replying to it. You're right, they probably are going to hound you, but try to be strong, they're the bad guys. I'm going through it myself and it's been going on for nearly a year but this sit has kept me strong. Good luck!!!

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