Advice please.
I was stupid, got seriously in trouble but worked my backside off to get myself out of trouble. Please, no lectures on stupidity, there is nothing anyone can say to me that I havent already bollocked myself for.
Took out a number of pay day loans several years ago, Paid 'majority' of the amounts off.
By that I mean I paid the amounts I borrowed and then some, however I borrowed £950 off Pounds to Pockets and have repayed £1174 but I don't feel additional the £350 they claim I still owe is fair or right.
They have defaulted me (fair enough) and have now passed the debt over to ARC Europe who are threatening me with a county court claim.
They have written 3 or so letters each one getting snottier and snottier, I have responded saying the amount was disputed with P2P but now have recevied a letter saying a County Court Claim has been prepared and could be issued.
What should my next step be?