I took a payday loan out with this company about a year ago and defaulted After some initial chasing I have heard nothing from them for months and today recived the e-mail below saying they will make me bankrupt if i dont pay them over £4k. The original loan was for a couple of hundred I am scared and worried - please help Attn xxx We issued you with advice in our last correspondence that should you fail to respond in regards your debt with us Bankruptcy proceedings would be initiated. We are now writing to inform you of the next step due to the fact you have failed to comply. Re Amount Outstanding £4968.00 With regard to your overdue account, we have decided to start bankruptcy proceedings against you. In the next few days you will receive a statutory demand requesting immediate payment. If you fail to respond to this we will make you bankrupt and you risk losing your home. This can be avoided if you contact us today and agree a payment structure. Yours sincerely Swift Money Legal Dept 0845 508 6408

Hi Does anyone know the correct procedure for making a formal complaint about the way I have been treated in regard to E.S.A. migration from Incapacity benefit, or could someone point me in the right direction please? I have tried the Direct.gov website, but it might as well be written in Latin, the same with D.W.P.s website.. Also do I complain to D.W.P. or Jobcentre Plus? Any help. would be very much appreciated....

Hi folks, Please be patient with me as i am new to all this, firstly i managed to get myself in a pickle when i lost my job, my debts went out of control etc etc and i just ignored the letters from debt collectors. They seemed to just pass them on to different agencies and i lost track of what was what and whose was whose. A couple of weeks ago somebody knocked on my door, didnt say where he was from and handed me a pile of paper, and told me that i knew all about it. It was a firm called BW Legal debt recovery solicitors. Issuing me with a statutory demand and that i should respond within 18 days, otherwise they would seek to make me bankrupt. I left it again as it is all getting on top of me, and seriously depressing me, however i got a letter today asking me to pay £980.00 immediately, then installments of £254.00 per month and if i did not, they would again apply to have me made bankrupt. The debt is just over £3000 in total not to one creditor but different ones, the full amount i owe is for various debts. I have been paying two other debts off and almost finshed paying them, as the creditor took me to court and i agreed a payment plan and have never missed, and like i said i just couldnt keep track of who was who with the rest. Why is this BW Legal simply not taking me to court, where i "Will" agree a payment plan as i cannot afford what they are asking. Is this normal what they are doing, or trying to scare me into paying this money quicker. Please help, as i am desperate. Many thanks.

http://www.guardian.co.uk/business/2012/jun/03/wonga-windfall-boss-errol-damelin