Have a £768.23 debt originally from Cap One credit card.
Stopped paying when I lost my job.
This has been sold to Lowells who have been sending me the usual threatening letters, indispersed with discount offers for a few months now.
They have now sent a 'Pre-legal Assessment' letter which informs me that they know I am working, a home owner, and service other debts.
They also state that they are willing to accept whatever amount I suggest for a 'repayment plan' but would go down the Court route if they do not hear from me.
Advice on how best to proceed would be great as am about to be made redundant in March.
Thank you.