I did read through the many threads on this subject but I found it all so very confusing.
Especially on what you should or should not do.
Everyone's story was different and there was a lot of contradicting advice from just ignoring the letters from the solicitors to replying to the PAP letter...
You yourself indicated that you should reply to a PAP letter to prevent a default judgement being made against you.
I read that some people who took the advice not to reply have now been issued with county court judgement orders.
Not good at all!
I know it must be frustrating having to repeat yourself over and over again, however when people come here to ask for help they are usually scared, not clued up on the law, and have no idea what to do next. They certainly do not come here to be shouted at or made to feel even more stupid than they did already.
I wish everyone in the same boat GOOD LUCK.
LL