Sorry about that. Letter reads; Special settlement offer Despite correspondence from our legal department, this debt remains unpaid. We understand form our client that you own the property at the above address and WE WILL NOW VERIFY THIS WITH THE LAND REGISTRY. If this is the case, we can instruct Solicitors to issue a County Court Claim against you. If the debt remains unpaid and our client obtains Judgement against you, we will then be instructed to enforce the Judgement by obtaining a Charging Order against your property to secure this debt for our client. Once a charging order is obtained, you may not be able to sell or remortgage your property without clearing this debt in full. Even at this late stage our client is prepared to give you one final opportunity to settle this matter in a way that would be of significant advantage to you. Therefore we can offer a substantial one off discount on your outstanding balance. If you are able to pay a mutually agreed sum within 35 days of the date of this letter, our client will write off the remaining balance and you will not be contacted any further. If we do not receive your reply within 35 days , this matter will be passed for further action without any further notice to you. Please always quote our reference on all communications. _______________________________________________________________________________ Debt currently stands at between £1000-£1100. What offer would I likely receive and would they expect that to be paid on one lump sum, or over 2 or 3 payments? Thanks Kev

Hello all, Long time lurker, first time poster. The wisdom and knowledge of this forum has gave me the confidence to ignore all previous calls/threats but this latest letter is something new, that I haven't seen listed before, so feeling a little anxious. ARC have taken over my QQ account after QQ failed to accept my monthly standing order payments and insisted on a DD only (we all know why). I have since moved to another bank and get my wages paid into that new account. The old account still exists. I received this letter this morning. ARC have been phoning me 3-4 times a day but I have blacklisted all their numbers and it goes straight to voicemail. Any advice welcome. I have not sent the 3 letters, choosing to ignore all correspondence instead. Thankyou Kev