>>83072229

It's dead easy to tell debt collectors to fuck off, they only pick on you if you're easy prey. Put up a credible resistance (requires knowledge of consumer credit law) and they quickly put you on the "not worth the hassle" list.

Credit score impacts only stay on record 5 years. But if you are gonna have a big default on there you might as well make it a BIG default like a loan for a car or a nice holiday or summat.