advice needed... credit card capital 1 passed acount to fredrickson internationl ltd to collect debt was paying debt since oct 2005 ballance still the same £1096 as 2005 fredrickson took over in sep 2007 they was getting token payments as both companys are putting pressure on me to pay more than i can aford .... i have sent both companys income&expedture and stated on state benfits but that dont bother them .i sent fredrickson a C.C.A request they have gone over the 12 days so they comit a crimnal offence ..only reply i got was of there solicter carter &co state there puting me in court in 7 days they have breach OFT GUILD LINES ON COLLECTING DEBT AND ALL PAYMENTS I HAVE SENT THEM IS NOT COMEING OF THE DEBT AT ALL