is the outstanding debt a large amount?as already said each time they come around and you dont answer or are not in they add more fees.its not going to go away so unfortunately needs met head on.surely they must accept an offer from you to pay unless youve done that before and not honoured it? remove everything of value from your house and store it somewhere else then let them in and sort out some sort of sensible repayment arrangement as they will see you have nothing of value to take.not to sure about down south but im sure they cant take essentials like cookers,fridges etc only luxury items like tv's,computers and hi fi etc.contact citizens advice tomorrow