No it is not normal but credit card companies have a lot of ways of frightening you into getting in touch and paying up. It's even possible that it wasn't hand delivered and just made to look hand delivered. Our advice is to not ignore them and write to them. Tell them you situation and tell them how much you can afford to repay, if anything. In the meantime, get in touch with a debt advisor. If you want to look at getting a debt solution and advisor and recommendation we can help. Just complete the form on the right.

It sounds like they have passed the debt to a debt collection company. It seems they have been unable to contact you any other way.

It costs money to send someone to your home so this is a sign that they are thinking of court action. You do not have to discuss anything with a debt collector but you should reply to the letter with your offer of payment.

Hi there. I would agree with the advice given by the talkaboutdebt team and recommend that you contact them as soon as possible to clarify your situation with them, and if indeed they did send you the letter.

As the team above have mentioned, if you are experiencing debt problems, you do need to address them so please let me know if you need any other advice.

Hoping this helps.