in October 2016 I've started a 2 years contract with Vodafone but after half a year I couldn't keep up with the payment and didn't pay since then.
I do plan on getting rid of the debt once I'm fully back on track, I can't afford it at the minute and hoped I still have some time before any legal action can be taken.
Recently I started receiving letters from Lowell Financial Ltd, headlining with "Pre-Legal Assesment".
Do I have to be worried about any legal action?
My Vodafone contract ends in Oct 2018 in theory.
Are they able to file a CCJ even if they bought a debt of a contract that is not even brought to an end?
I have read many other posts where people come with contracts that are 5-6-7 years old, and I'm here wondering how worried should I be about this letter. See the letter below.
Thank you in advance.