Hello all. I am hoping for a bit of advice please.
I received a very worrying letter from Walker Love today advising that I owe their client £396 (the original creditor was Next Directory...but I believe this is now owned by Lowell).
The default took place in 2014 and at the time I was suffering from chronic illness that meant I fell behind with payments.
You know the story...it ended in the default.
I never denied my debt..
.I emailed and called offering payment several times and was dismissed.
..I was told that their agents would be in touch.
Several months later it was sold to Lowell for pence to the pound.
I have not paid them a penny to date.
I know that Walker Love are sheriff officers..
.and wonder about the seriousness of their letter?
I would rather make payment in small amounts than face any further damage to my credit file. I have already suffered for several years now for my silly mistake.
My question is how to proceed with them to avoid further hassle?
I cant afford the full payment, bills aside I have very limited disposable income.