We ' re gonna need a new word for QoL changes cause I guarantee it ' s gonna end up like Literally sooner or later <| sep |> The creditor would need to obtain a county court judgement against you in order to take recovery action , however that would require them to articulate how the debt was calculated . It would be best for you to defend such an action , but I can appreciate that the cost of a solicitor might be prohibitively high . I would suggest getting onto Citizens Advice Bureau or a local law centre to get some advice on this . <| sep |> Ohhhh , it was so easyTy man <| sep |> I used to carry around a laminated piece of paper in my wallet with my signature on the bottom that said in signing this , I waive all responsibility .