No response from DL as of yet but had another letter from ARC, which they have sent to my old address. However they did email it me too.
Should I be concerned about the lack of address update even though I informed DL?
"We note that you have not cleared your balance or made payment proposals since our previous letter to you. On the instructions of our client, we can now refer the matter to our Solicitors, Majorlaw Ltd, with instructions to prepare a County Court Claim against you for recovery of the above debt.
What will happen next?
Unless we receive either payment in full or your payment proposals, a Court Claim can be prepared 14 days after the date of this letter. If this action is necessary and we pass the account to our Solicitors for issue, our client is entitled to claim interest under the County Courts Act 1984 at the rate of 8% per annum together with fixed Court Fees and Solicitor’s Costs amounting to a further £109.00. You may want to seek independent legal advice on this matter.
What effect could a Court Claim have on me?
If a Claim is issued and the debt remains unpaid, our client could apply for a formal Court Judgment against you. If a Judgment is granted and is not paid within one month, it will be recorded by the Credit Reference Agencies for a period of 6 years and this may seriously affect your ability to obtain credit in the future.
What should I do next?
You can make a secure payment to us 24 hours a day with your debit or credit card by visiting our website www.arceuropeltd.co.uk or by calling our automated payment hotline on 01332 647693.
Alternatively, please contact our Customer Support Team by phone or live chat within 14 days from the date of this letter to discuss the balance on your account. You may also want to contact one of the free debt advice organisations by clicking here Free Debt Advice."