Hi, how likely is it that a bank will apply for a CCJ on an unpaid overdraft of around one and a half grand? Are CCJs common practice for banks to enforce debt? Thanks!

Just got another letter this morning, almost a month after they gave me 48 hours to pay before court action. This one has a list of things they say they may rely on in court, listing a contract, credit application and invoices. They then claim they will provide me copies on request. I doubt they have any of those things though. They say that I need to provide a full written response to the claim within 14 days. One thing that confused me is that at the end of the letter it says if I choose to pay now that I should send a cheque made payable to the university. I was under the impression that debt collection agencies purchase the debt for a few pennies on the pound and then fraudulently collect it all from the debtor. If this is the case why are they asking for a cheque made payable to the university? Does control account PLC do things differently? I was thinking of writing a response asking them to provide proof that I owe control account PLC any money, which they wont be able to do, and warning them that if they continue harassing me as a third party interloper that I will take them to court. But this response relies on them having bought the debt, which seems unlikely if they are asking for a cheque made payable to the uni.

Just got another letter this morning. It says: Without prejudice. We have now been instructed us to apply for a civil claim against you to recover your debt. If we are successful you will have to pay legal costs, interest etc You have 48 hours, if you don't pay we will go ahead with the civil claim without contacting you. What do you think I should do, still carry on ignoring it? Thanks

Thanks dx Just got another letter this morning, it says act now - this won't go away It states the letter is a notice of intention to apply to the court, and that I have one final chance to settle the debt before they seek to apply. I apparently have seven days. Seems like they're just trying to intimidate me, what would you advise, keep ignoring them?

Had a visit from the bailiff the other day, I wasn't in but my landlord was doing some maintenance work so answered the door and was served the bailiffs letter. Its for £124 of council tax for September from a property I lived in two years ago. I have had no letter asking for the tax, no letter warning me of court proceedings and no knowledge of the debt, so it was a bit of a shock! I was receiving council tax benefit in the property, and then in September started university. I have a council tax exemption certificate from the 12 of Sept, but am worried the council are going to charge me for the first two weeks. I'm thinking of writing a letter to the council and was wondering if anyone could give me some advice as to how to word it? I think its pretty bad that they have sent the bailiff round without even telling me about the debt, so am hoping that will give me some leverage?

Hi Can someone please advise me on how to handle this debt? When I was at university I borrowed some money to pay my rent as my student loan had not been paid. My loan didn't arrive until the end of the academic year so after the late fees added on the amount owed came to £295, which I could not afford to pay. I moved house after finishing uni, about two years ago, but they have managed to track me down. I have ignored several letters from the university threatening legal action, and this morning I got a letter from control account plc threatening serious legal consequences if I do not pay within 5 days. What would you advise me to do? Thanks for any advise in advance!