Hi all, I'm on a similar path to a lot of posters on the site - having received a PCN back in April 2011, which was ignored as well as the various red letters that followed, I was surprised yesterday (3rd Dec) to receive the recovery letter from BW Legal. It was a notification that 'your account has been passed to our legal team', usual £120 PCN + fees of £54. This one was for Gallowgate, Strawberry Place, Newcastle upon Tyne. I have read a lot of posts and much appreciate the advice, takes the worry away, but just to confirm, what do I do now? Ignore pending further letters or write back with the simple letter along the lines of: "Dear Sir/Madam Your Ref: **** I refer to your letter dated ***. I have no intention of paying the money demanded by your client and any court proceedings will be vigorously defended. You should note that this charge is disputed and you must now refer this matter back to your client and cease and desist all contact with me. I will not respond to any further communication on this unless it comes from a court. I trust I have made myself clear. Yours faithfully" Obviously the 6 years statute of limitations will arrive next April 2017, and as it is pre POFA per other posts part of me would love the chance of a day in court. But confirmation of next steps would be much appreciated. PS - I moved house a few years back yet the letter has come to my new address. From reading other posts about default CCJs and old addresses I suppose I should be pleased it has? Thanks

Hi, I have a default which I am still paying albeit a very small amount a month, the date of the default is 19.5.10. It has been sold on several times. In December they started returning my payments, I have only made one payment since, this week I have received another letter to say its been sold again, and to contact them to make an arrangement to pay. In May this year should the default be erased from my credit file. If I am still paying it how does that reflect on my credit file? or can I just stop paying it. My credit file hasn't been updated on this debt since 12/15. I have never signed an arrangement to pay, I tried to arrange one, years ago and they refused the arrangement, however I continued to pay it regardless. However it still appears as a default not an ATP. I would appreciate any advice on what I can expect to happen. thank you

I need help with a Claim form I have received today please. Many thanks to anybody who replies, Toots.

Hi All, I hope I have found myself in the right sub forum! I've leafed through pages and pages of helpful posts from you guys regarding Bryan Carter and similar situations to mine and I've been taken aback by how helpful people have been on this site with people's problems. I was, however, still unsure how to proceed with an issue of my own i'm facing and was hoping to ask for advice.... To start with I'll lay out the groundwork I had a contract with O2 some years back now (2011?) that originally started in 2009 or so, towards the end of this contract with maybe 3 months remaining on the current rolling deal the phone I was using ceased functioning and I called O2 to cancel the contract. They accepted this (and I have a letter confirming this action) as I had been on the contract for a long time and I dare say they more than made their money off me! I was also paying for two months where I wasn't using the phone because I am horrible at managing my money However some time later I received a letter from O2 demanding payment for the 'unpaid debt' and I responded saying nothing was due (including a copy of the aforementioned letter). Sadly this was ignored and I started receiving letters from Lowells, and Red, and eventually Fredrickson. In all cases I have simply sent a letter saying I have no debt and including the letter, asking for confirmation of what the debt source is. But now I have received a letter from Bryan Carter, and if my initial investigations are anything to go by, I will soon find myself in the unfortunate position of missing work to be dragged to a courtroom. Because of this I would like any advice anyone can offer with regards of how to deal with Bryan Carter, I had my first mail from them today (if no response in 14 days a claim will be issued etc). Am I in better stead because of them playing ping-pong with the debt? Is there anything I can do to keep this out of court? And what is the best way to ensure they drop this ridiculous charade and finally put this to bed instead of someone else sending a letter demanding money I don't owe in a few months time?! Its really rather stressful and I have to admit i've rather had enough. The initial debt was under 100 pounds, Bryan Carter are now estimating (with court fees etc) that they will be looking for 275 pounds. Is there a leg to stand on in that too? Looking forward to hearing back from you.

Here is a link to my main thread. http://www.consumeractiongroup.co.uk/forum/showthread.php?423375-Dealing-with-my-debts-the-road-to-full-and-final-settlement&p=4538311#post4538311 CCA Request made more than 12+2 days ago So far have had two letters from Lowell stating C One need more time and to check a different office ! And the second letter stating once they present me the cca the full balance will be tried for. Currently paying lowell an agreed £1 per month Thanks