There are, sorry and thank you for the time you've already given me. My main concern is I do not want this to affect my family. I've put them through enough and I've been working hard at repeating my past mistakes. If I had a job and money to repay I would attempt to reach an agreement with them. I have no money to do this. Do you know if it would be possible to enter into a debt relief order once they have issued me with a court claim. I have tried to find an answer to this myself but cannot find a clear answer anywhere.

I really appreciate you raking the time yo read through my posts and help me. I have tried to find the answer elsewhere but I haven't been successful and you might know the answer. I am unsure of what to do next. If I chose to ignore them and call their bluff and they send me court papers for a claim would it then be to late to start the process of entering into a DRO.

Thank you for advising me this far but What are my options. If I ignore them and they take me to court what is the likely outcome. I have no income so I cannot pay what I don't have. I have a partner and 2 young children and I do not want this to have a direct impact on their lives. That's why I thought the DRO was my only real option.

I thought the same. After everything I've put my partner through I want to stay infront of this and did not want to assume they are bluffing.

The bottom 2 lines on the front page "if we do not receive a response from you by 4pm on or before 29th June 2015 we will make the appropriate application to court without any further notice to you" The original letter from December was a letter using the wording "we will" and not the usual "we may" and gave me until the 2nd of Jan to reply, this letter gives me until Monday. It did not go un-noticed by me the dates they choose for a response give me a very limited time. Like most I'm very guilty of burying my head to avoid the stress and worry. I want to do the right thing but my personal situation does not allow me to enter into a realistic payment agreement. What should I do ?

Sorry I missed that. I have redone them in this PDF I am unable to find the original letter from December. It was a letter from bwlegal giving me 10 days to arrange a payment plan or they would start court proceedings. it was titled NOTICE OF CLAIM There was no court papers of any kind included. I have never received anything from any courts only bwlegal.

I'm searching for the original letter from December. I know I have it I'm just not sure where.

fingers crossed I have done this properly

Thank you. You should be able to see the copy's here. https://picasaweb.google.com/113337964913789220494/June242015

It's a scanned copy of the original, what does that mean as far as my options are ? Does the lender not signing and dating the agreement give me additional leverage ? And thank you.

Hi it's a credit card debt from October 2006 and I defaulted at the end of 2011 When I got a copy of my credit file at the start of this year this particular debt was not included on it.

I forgot to add all my debts are from before 6th April 2007

A week before Christmas I received a Notice of Claim for court proceedings from bw legal for debt of £1,429.36 I replied with a CCA and today almost 5 months later to the day they have produced a signed copy which looks true and legit. It is not signed in anyway or dated by the creditors though, does that matter. This debt is not statue barred and I have until 4pm on the 29th of this month to reply or they state they intend to proceed with court action. They have attached an income and expenditure form. I'm not married but my partner works full time. We do not have joint accounts. I am unemployed and the only income in my name is child benefit for our 2 sons. I am not on the tenancy agreement of our home and I have no assets. The only bills in my name are a mobile phone and a sky bill bill but both are payed by her each month with direct debits from her account. My total debts that I have are less than £5000. Is my best and only real option a DRO. If you have taken the time to read through my post thank you.

I can't thank you guys enough for not judging me and instead offering me advice. I have had a brief chat with the national debt helpline. My next step is to get my credit reports to see who and what I owe. It looks at the moment that a debt relief order may be my best option. I will post on here any progress I make but in the meantime I want to wish everyone who offers help and advice on here the best Christmas possible.

Again thank you all so much for trying to help me out.