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finally they are not allowed to inform others of your debts, or give out that information.

Or threaten to do so, or publiscise anything of its nature.

If you do contact them make sure in all correspondances you state that you DO NOT acknowledge the debt.

Some agencies are not so scrupulous and will settle for bullying someone else other than the true debtor into paying the sum.

a year or so down the line pdcs have contacted me and are acting on there behalf to recover the debt which i set up a DD for of 5 because thats all i could afford.