Hi Andy sorry to bother you but I am in exact same boat as deepinthewhatsit and have just received the same form of letter asking me to contact ruthbridge and not cabot just so I am clear are you advising to contact Cabot only and not Ruthbridge or advising to ignore the letter altogether and nothing more will come of it??? sorry to have jumped on the bandwagon and I am honestly not wanting to hijack the thread but I am in such a similar situation and I just dont want any more annoying letters or having to block anymore phonecalls from these blood suckers. TIA Dave