Thanks dx, The letter is worded - If we do not receive a response from you within 14 days our client has instructed us to proceed with legal activity. Whats my best response? Prove it letter, SARS or some other reply? Thanks dev

Hello all, I really could do with some advice. I have an alleged debt for 20k with MBNA which was sold to Arrow Global then Blake Lapthorn. I have two (yes two!!) defaults on my credit file for this same debt. One from Mbna & one from Arrow. Both defaults will drop off my credit file in around 50 days at which time I believe the debt will be statute barred too. When they drop off, my credit file will look much better than it has for the past few years. To throw a spanner in the works, I have received a letter from Blake Lapthorn asking me to contact them within 14 days with a repayment proposal or they will commence legal action. Whats my best course of action? These are my initial thoughts - 1) Try and delay things until the debt becomes statute barred. 2) Enter into a payment arrangement to avoid a CCJ. (If I did this, will the default still drop off and no information be available on my file?) I have a few defaults and one CCJ but they all drop off my file this year. I desperately need to avoid any other advese because I'd like to get a mortgage at some point in the near future. Thanks