Should I fill the reference section with the number provided by them?

I revised the documents and I took out the reference number in the pdfs: Letter before claim_compressed.pdf implications of a county court judgment_compressed.pdf Update: 6 hrs ago: FINAL REMINDER - NOTICE OF INTENDED LEGAL ACTION Our Client: Photo Studio Group Balance: £1182.89 We haven't received a satisfactory response to the Letter Before Claim issued by us or other correspondence. Urgent contact is required to stop legal action. This email is to notify you that your account will now be subject to review by our Legal Recoveries Team. If your account is deemed suitable, we will issue our Client's Claim via the Courts. Please note - associated fees and costs will be added to the balance of the account. There's still time to contact us: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Please do not ignore this email. Yours Sincerely, AJJB Law

Hi, Shouldd I post it here or should I sent it in a private message?

Hi guys! Update: Been forwarding all the text messages to 7726 These were the text messages: 28 October: We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings. 29 October: It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group. 30 October: The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim. We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group. 2 November: We are now preparing to send a Letter Before Claim. Call 01422746202 to resolve this matter. 6 November: We have now have issued a Letter Before Claim which you should receive in the next few days. Pay the balance due to Photo Studio Group now. It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group online now. 8 November: Click the link to address the £1182.89 due to Photo Studio Group to avoid legal action 12 November: A County Court Claim will impact your ability to obtain credit for up to 6 years. Pay online to stop action. 13 November: We are concerned you have not responded to the Letter Before Claim regarding the balance due to Photo Studio Group? 15 November: Call AJJB Law regarding the letter you have received from us in order to stop Court Action on 01422746202. 21 November: IMMEDIATE ACTION REQUIRED. Pay £1182.89 due to Photo Studio Group online to stop Court action. 23 November: We haven't received a response to the Letter Before Claim issued by us. It's imperative you act now to avoid Court Proceedings. We will be conducting a Pre Court Action Review this week. Pay £1182.89 online today or set up a plan to stop. 26 November: IMMEDIATE ACTION REQUIRED. Pay the balance of £1182.89 online today to prevent further legal action. 29 November: We will be conducting a Pre Court Action Review this week. Contact us today on 01422746202. 2 December: You haven't replied to the Letter Before Claim from us. Costs and fees will be added if we issue a County Court Claim. Emails: 10 Nov: Dear -----, LETTER BEFORE CLAIM AJJB Reference: .... Our Client: Photo Studio Group Balance: £1182.89 You will now have received a Letter Before Claim issued by us regarding the balance due to our client. It is important that you do not ignore this letter and read the contents carefully. If you have a query relating to your balance then please contact us to discuss urgently. If you wish to make payment to settle the balance you can do so through our website www.payajjb.co.uk or by calling us on 01422746202. Alternatively an income and expenditure statement is enclosed in the letter, if you are unable to repay the balance in full, payment arrangements will be considered based on your circumstances. Payment arrangements can also be submitted via our website. Please respond urgently to avoid Court action. Yours Sincerely, AJJB Law 19 Nov: Dear ----, RESPONSE REQUIRED AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 Our records show that you have not responded to the Letter Before Claim issued by us, or our previous attempts to contact you. We hope to resolve this matter without the need to issue a County Court Claim but we only have a limited time to do this. In order to come to a suitable way forward to address the balance please contact us today using one of the following methods: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Hopefully we can agree a way forward without the need for further action. Yours Sincerely, AJJB Law 27 Nov: IMPLICATIONS OF A COUNTY COURT JUDGMENT (CCJ) AJJB Reference: ..... Our Client: Photo Studio Group Balance: £1182.89 We are now in a position to issue a County Court Claim to recover the balance due to Photo Studio Group as we have not received a satisfactory response to the Letter Before Claim. This could result in a CCJ being registered against you As previously mentioned, we wish to resolve this matter without the need for legal action, however, we are unable to do so if you do not address the balance due. A CCJ will have an adverse impact on your credit file and will be registered for 6 years. It will affect any future lending decisions including applications for loans, mortgages, tenancy agreements and the purchase of goods on credit (for example a mobile phone contract). You can stop further action now by contacting us to discuss your circumstances or by making payment: - Email - reply to this message - Online using our secure customer portal - www.payajjb.co.uk - Telephone - 01422746202 Please do not ignore this email. Yours Sincerely, AJJB Law I also received two letters to the address I currently live in: 1. A letter before claim 2. Implications of a county court judgment Please let me know if I should proceed in any way. Thank you all for your time!

Hi everyone, They started sending threats: Wednesday: We have been instructed to proceed formally on this claim in 7 days in respect of the balance due to Photo Studio Group unless discharged or an arrangement made. This will result in a formal Letter Before Claim and Court Proceedings. Thursday : It's not too late to stop legal action. Settle the £1182.89 due to Photo Studio Group. Friday 8:23am : The £1182.89 due to Photo Studio Group is overdue we are now instructed to proceed with a formal Letter Before Claim. Friday 6:28pm: We are now considering whether to issue Court proceedings to recover £1182.89 owed to Photo Studio Group.

Thank you guys! Have a lovely day

Hello everyone, I have also started getting text messages from AJJB law : -October 16: ACTION REQUIRED. Call AJJB today regarding Photo Studio Group to stop this matter moving towards legal action. Saturday - October 17: To avoid legal action you can set a repayment plan to address the balance due to Photo Studio Group. - October 19: You have not paid £1182.89 due to Photo Studio Group. The account is being reviewed for legal action. They also made a phone-call which which I did not answer this day. - October 20: AJJB Law can assist you to resolve the £1182.89 due to Photo Studio Group prior to legal action. Decided to I checked my spam mail just in case and found the following: -October 14: We have not received payment of the overdue balance and you have not made use of our online customer portal to set up a suitable and affordable payment arrangement. Our client has authorised us to progress this matter to commence the formal process which may ultimately result in legal action being taken against you in the County Court. Therefore please contact us to discuss this matter so we can reach an appropriate resolution before that process is commenced. A successful County Court Judgment will have an adverse impact on your credit file for up to 6 years and could affect any future lending decision. Including applications for loans, mortgages, tenancy agreements and the purchase of goods on credit (for example a mobile phone contract). Please address this balance today or contact us accordingly to arrange a suitable way forward. You can make payment at our website or reply to this email. -October 18: We have still not received payment of the overdue balance and you have not made use of our online customer portal to set up a suitable and affordable payment arrangement. We want to work with you to resolve this matter prior to formal Letter Before Claim being issued which may then result in action in the County Court. You can manage the balance due online today via our customer payment portal or contact us via phone to discuss the options available to you. Yours Sincerely, AJJB Law They still haven’t sent me any letters to my knowledge. Should I take any action? Thank you all for time! Kind regards, catanida

Update: They have moved from please contact us/enter the link to the following messages: Monday - Failure to contact us regarding .... may result in further action being taken against you. Tuesday - The photo company has authorised us to offer a substantial discount on the 1182.89 owed to them. Call this number ... Friday- The outstanding balance due to photo studio may negatively impact your credit rating. Following the advice of Bank Fodder I am applying for Royal mail re-direct. However, up to this date my previous flatmate has not received any mail from them. They haven't call, just text. Should I continue to ignore? If I should ignore, if they call should I hang up? Thank you for your time and help!

Update. As advised I ignored them but yesterday I received a phone call from CRS, an Automated voice. It instructed me to not ignore the call and to press 1 to transfer me to one of the representatives. I hung up the call. My question is, next time they call should I go through with the representatives? If the answer is yes is there anything specific I should say? Today I got another text from CRS saying that they made it super easy to get my account sorted and just the click the link and enter my case’s number. Thank all for your advice and time!

I am being chased by the CRS for a payment of a service that I did not receive and a service from a collective “Photo Studio” scam. In 2018 I came to London. As a way to make extra money, I send my details to a couple of agencies. ' GT models’ was one of them. Shortly after, I called them back to get to know more about them and see what the following steps would be. The representative that talked to me said that I would need to go to an all-paid mock photoshoot to see how well I performed in photos and directions from the photographer. I said I would be happy to do that and take it from there. Afterwards, they said that they would book me for an appointment but I needed to pay a refundable fee of £100. This money would only be a way to guarantee that I did make it to my appointment and after the shoot they would refund it to me. I said that I could not pay 100 pounds and that I did not have that kind of money, they said that they would accept £50. I wanted to make sure that they would refund me and they assured me on the phone that they would after the mock photoshoot and told me again is a refundable fee that we take just as a security that the applicant would get to the appointment because otherwise they would have hired the makeup artist and the photographer and have wasted an hour of time. I tried to find more information on this company but unfortunately couldn’t find anything good or bad so I decided to take a leap and see how the situation unfolded. I paid the £50 from my parent’s PayPal account that way I could issue a complaint if they didn’t refund me. I went prepared with the different outfits as they asked. I waited on a mini reception as they were some other people before me. There were also a couple of kids with their parents. First, they called me to get my makeup done and put the first outfit on. I did their photoshoot to the best of my capacity taking different pictures in different locations and with different outfits. The makeup artist would change the makeup a little before each outfit. I was a little worried about the situation and something seemed off. I felt I created a good rapport with the photographer and I asked the photographer if this was a scam and to please help me out if it was. I explained that I was in no position to lose time or money. He first laughed and dismissed my questions but after some questions he told me “You are a smart girl; you will figure this out”. I don’t know why that didn’t click until after the situation unfolded. After the photoshoot, I waited and then a representative called me into his office. He took my passport and said I performed really well and that he saw a lot of potential in me. He said I would probably have to go the commercial route due to not being tall enough for other outlooks. He said he had the position in his hands to pass me or not and that he would invest a lot of time in my career and continue to ask me what I could do for him. I said I would be very responsible and always arrive on time and that I have a good work ethic, that I learn quickly. He seemed displeased as if he was expecting something more saying “you are a very beautiful girl what else could you do for me” I felt uncomfortable but still continued to talk about my work ethic. I feel he was insinuating sexual favours, however he never said it explicitly. He understood that this was not going anywhere and he said I am going to bet on you and I am going to accept you. He explained that this company was not a model agency but a middleman agency that connects you to a model agency and that the model agency pays them a fee for every applicant that is accepted. However, he said that if I wanted to move forward, I needed to buy the pictures from my mock shoot so I could start building my portfolio and then they can use them to connect me with other agencies. I was confused and asked him why I would have to pay after being told the mock shoot session was free. He showed me different packages and try to convince me to buy it but I said I don't have any money and that I was looking to earn some extra cash with modelling. I explained my parents help me financially until I can start getting acting jobs and I don’t have any disposable income. He said he can put me into the lowest plan and I could have monthly up to a year. I said I wanted to review it home but he continues pressuring me saying I would not get this deal if I did it later. I read the contract to my best capacity it mentioned that they would send me a hard drive with the pictures that they would use to connect me with other agencies and from there I would pay monthly for the physical copy of the pictures. I was scared that they wouldn’t give me my passport back and that he was pressuring me, so I signed but only put my street name and not my full address as I was scared they would follow me home. I asked if I could pay via PayPal, he said no so I gave my bank details and try to end the conversation and get out of his office as soon as I could. I believe he gave me a copy of the contract but I haven’t been able to find it and think I lost it when I moved houses. I went home and researched the new name they were using, since it wasn’t previously shown in any documents up to the photoshoot. There I found out that they had made a lot of people pay for things and never connected them to any real agencies. I got this email from them: I got scared and angry, I reported my card missing (so they couldn’t get any money from it ) and issued a report in PayPal to get the 50 pounds back. In my PayPal report I told them to give me my money back that I didn’t want to be scammed and to please stop contacting me. Since they never responded back to the claim in Paypal, Paypal voted in our favour: I never received the physical photos and they never called to tell me to get my full address, saying that I was missing the apartment number. They never sent me another email or called me up. Every once in a while, I would get this text and I assumed it was automated and ignored it: Eventually even the texts stopped coming in September 2019. I moved houses but never received any mail to the apartment I was, I check once in a while with previous flatmate but apart from the odd Tesco mail I haven’t gotten anything else. Then this year I got this text on Friday and then they sent it back on Saturday 29/08/2020. I don’t want to get in any legal problems and I don’t understand how I would ever owe money since we never spoke back and haven’t received anything. I checked their website and they changed it since I am pretty sure it was because they got into legal problems. What should I do in regards to the CRS contacting me with the following text? : “balance due to Photo Studio Group has been passed to CRS” (£1182.89 !) Thank you in advance for your time and help, Regards, Catanida