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If they had applied for a CCJ then you would have been notified.
If they do have a CCJ then they have various enforcement options available to them and what they will utiilise will depend on your assets / income etc. If you own a house they could seek a charging order. If you own assets in your property they could refer to a bailiff. If you are employed they could seek an attachment of earnings to receive a payment from your wages.
If they havent yet obtained a CCJ then you can still seek to agree a payment plan. They cannot use any other enforcement methodsdetailed above unless they obtain a CCJ. You do not have to let them in your home and you can discuss a repayment plan to try and agree a schedule over the phone to stop matters going to court.
You should also consider seeking debt advice as they may be able to help you agree a payment plan without having to go speak to your creditors yourself. Check out:
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