im guessing they are, ask for proof that you owe THEM money. i bet they dont have a cca (consumer credit agreement) with your name and their name signed by both parties and when they trot out the old chestnut they are collecting on behalf of blah blah get them to admit they have bought the debt then thank them for settling any outstanding debt you had with the original lender and bid them good day.
i love debt collection agencies, ive had one particular one threataning me for 12 years now
key thing here is know your rights and know they are lying to you 99% of the time, admit nothing, tell them to stop calling you or you will report them to the fsa (not the headset manufacturer) for harrassment under the Protection from Harassment Act 1997.
and the last thing that will guarantee your name will go to the bottom of a very long list of people they circle like vultures, tell them you will only communicate in writing as is your right and if they want any information financial or otherwise they will need a signed court order to access your personal records. (which they cant get and they know it)
obviously none of this applys if they are not after you/you are trying to get a job with them/ you owe a debt recieved in a magistrates court then you are F$%£ed
magistrates baliffs can force entry, civil ones cannot.
1998 GT lts.1990 fisher montare/procaliber tribute.
1984 raleigh record sprint and the full set of Pacific Blue on dvd.