Is that right?? Doesn't suppose you've got a link or anything? There's some people I could really do with getting off my back at the mo - saying I can't pay hasn't really helped!
I've got a friend who played the game very well, credit card after credit card, paid them with each other. Got up to about £50k and declared herself bankrupt... I just didn't pay shit, owed loads but not enough to go for bankruptcy.
I did post a link to the "butterworth police law" book, which goes by another name now.
That's the only book you need, it is written for policemen so very easy for everyone to understand.
If it is written in there, you just quote it in court and you are the man.
But more to your question, you say that you saying you have no money didn't help... well what did they do, get any? because then you were lying when saying you had no money and in that case you might even get locked up, because you do not lie about this stuff.
If you have no money you can only say the truth, whether they like it or not it'll have to do.
I wouldn't suggest anyone to go for bankrupcy unless they bankrupt the Ltd Company of which they where directors, in that case that's ok.
Basically you truly have to own nothing, in that case you just pay a fiver a week, or a month.
If you own anything then they come and take it.
That's good too, let them have the couch. But you will open the door only if you want to. It's all in the book if you ever get it.
If you are a driver, the book it's as good as gold.