Thanks guys

Right guys i have received another letter from Advantis tittled NOTICE OF INTENT TO COMMENCE DEBT COLLECTION ACTION. its saying i have 14 days to reply or possible action may be taken against me which is "a debt collector may be instructed to visit your address and review your ability to repay this debt" or "Advantis credit may instruct solicicitors to commence legal action such as applying to the county court or a sheriffs court for judgment or a decree against you to recover the outstanding debt" Im guessing we need to look at the words "may" & "or"..........more scare tactics........am i correct???? Thanks, Tony.

Im back!!! I did not reply to the threat of Statutory Demand & i heard nothing until today when i have now received a letter from Lowell's explaining "becuase you have failed to repay your account it will be sent to Advantis Credit Limited who are one of our approved debt collection agencies. All correspondence should be referred to this company from 06/12/2013" Any idea who this bunch is now??? Thanks, Tony.

Yep thats the exact same letter!!!

Hi all, I apparently have an outstanding debt of £237.48 to Shop Direct & now i am guessing Red have bought the alleged debt. I cannot remember any dealings with Shop Direct plus the letters from Red have been addressed to Antony and not Tony as i am called. i have two questions: 1. This is the letter i have received, what does it mean? Final Communication This is the final communication you will receive from Red Debt Collection Services in relation to payment of this account. It is very disappointing that you have chosen not to respond to any requests for repayment despite us offering you on a number of occasions the opportunity to pay a small monthly amount to clear debt. What happens next The next contact you receive will be from a process server who will be serving you personally with a Statutory Demand. If you fail to comply with the terms of a Statutory Demand, Lowell Portfolio Ltd (Lowell) may petition the court for your bankruptcy. Alternatively, you may receive a letter from the court regarding legal proceedings, which Lowell may issue you against you or a debt collections agent who will be visiting you at home to discuss repayment. If you want to avoid any further action you must set up a payment plan now. We are still willing to accept monthly payments of £15. 2. I also have another alleged debt that Red are chasing me for thats around £2000 but its over 6 years old so im guessing it Stature Barred, due to this i have ignored the letters from them. If i decide to pay the above in installments will that indicate that i must of received the other letters as they have been posted to the same address. Thank you for reading. Any help appreciated. Tony.