Debt collection agencies now threatening

All has been quiet up until now. There is one particular debt collection agency who have bought the debt of citi financial and are refusing the payment agreement. They have been on the phone using bully-boy tactics saying they are going to get a charge on the property and eventually make us sell.

I don't think they can do that unless they take us to court and onlyif we default on the payments then they can put a charge on the house. Also I am sure they should not be phoning us up and threatening us this way. They are quite aggressive on the phone. I am going to look into this.

Another debt agency who has bought the debt off one of our other creditors keep phoning up and asking personal information ie how did we get into this debt, what are our dates of birth, how long have we lived in the house and other such questions, when I said I was not prepared to answer these questions over the phone (after all they could be some person trying to steal my identity) they got very stroppy and said they would not send be a letter but would put on my file that I refused to answer questions.

Looks like the quiet time is over and the phone calls are starting again. Just when my nerves were beginning to settle.