It doesn't sound like they are an appointed bailff and it sounds like you have not been to court. It sounds like a tactic being used to worry you (obviously working) and get you to pay your debts. The reality is they are not likely to send someone and they are not going to have any powers. I would start communications is writing with the people you owe money. Don't talk to them on the phone. Explain you circumstances and tell them what you can afford to pay. In the meantime, seek help. Sounds like some professional debt help may be a way of getting your creditors to stop sending letters and phoning. There are 11 organisations on the site to choose from. We're happy to recommend one to you if you would like as well.

Field agents have no power. Just ask them to leave and for their office to put what they have to say in writing to you. You can then make them an offer of repayment. In my experience they never come out anyway.

Debt collectors have no power to do anything but knock on your door and ask for you.

They are visiting you to establish that you live there, to remind you of the debt and to arrange payment.

They must not discuss your business with anyone else - that would breach your data protection rights.

You can deal with them face to face if you are confident and happy to do so but you don't have to.

If they are in anyway unprofessional you must complain to their company and the financial ombudsman.

Section 40 of the Administration of Justice Act (1970) states

that a person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt due under contract, he or she:

harasses the other with demands for payment

which by their frequency,
or the manner or occasion of their making,
or any accompanying threat or publicity
are calculated to subject him or his family or household to alarm, distress or humiliation;

falsely represents, in relation to the money claimed,
that criminal proceedings lie for failure to pay it;

falsely represent themselves to be authorised in some official capacity to claim or enforce payment;

utters a document falsely represented by him to have some official character or purporting to have some official character which he knows it has not.

Bailiffs are an entirely different matter and you should refer to the questions on bailiffs

If you need further info you can get the email address for Debt Advice Foundation by clicking on my name.