Hi, I have today received a very upsetting letter from a company called wilking chapman llp solicitors in Grimsby stating: "Arrow Global Limited We write to advise you that a Claim form has been issued at the Court. The Court will serve the Claim form upon you shortly. The Claim form includes a claim for costs and interest as well as the outstanding debt. Please direct any correspondence or queries you may have regarding this matter to us, and not to our client direct. Please ensure all cheques are sent to our office made payable to Wilkin Chapman LLP. Yours faithfully (actually signed Wilkin Chapman) WILKIN CHAPMAN LLP Arrow Team " I do not have any idea who Wilkin Chapman or Arrow Global Limited are, but did have a very old Direct Line loan (that was last consolidated around Aug-Sept 99,with ppi) that as far as I was aware had either run out of time, or they had finally realised it should've been settled on ppi (due to my losing my job and being unable to pay the monthly instalments whilst I was off sick on no/half-pay etc etc prior to losing my job).At the time they would not pay out because I had missed payments due to being off work so they said it 'invalidated' the claim(!) IF it does relate to this, because the letter does not include anything that relates to Direct Line or even anything about the amount owing or anything (there is a reference that starts with DEBT/ART ) then surely they would contact you prior to starting court proceedings? I am still unable to work due to disabilities & ill-health and the last contact I had was from a company called Bell(?) I think, who never contacted me again after I spoke to them on the phone and asked them to supply me with the paperwork relating to the alleged debt as I had never taken out anything with Arrow - they literally went away to sort it out and never came back, and that must be about 1-2years ago. Had Wilkin Chapman contacted me previously I would've had the same conversation with them. Please advise me what is the best way to react to this letter? does this mean they have actually issued a court action of some kind? or is this just a threat-tactic etc? I am really worried and have a lot of ill-health so cannot cope with this kind of stress - also if it does go to court would it be a court local to them in Grimsby? as I could not travel there either. I sure hope some of you can help as I am in such a panic now. Thanks in advance. NOTE: Claim form has now been received 14/2 Unbelievably having received that letter from Wilkin Chapman yesterday, without any prior contact, I have just had in the post a claim form from Northampton (CCBC) County Court which states in particulars of claim: The Claimant's claim is for ________ (removed) being monies due from the Defendant to the Claimant in respect of a regulated load agreement between the Defendant & Fairmile Partnership 1 LLP (then a number in brackets) and assigned to the Claimant on 13/05/2011, notice of which has been provided to the Defendant. The defendant has failed to make payment in accordance with the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. The Claimant claims the sum of __________ (removed) they then add £190 for court fees and £100 for solicitors fees. The Claimant at the top is shown as Arrow Global Limited at an address in WC1 The Claim form is signed by a Christopher Richard Grocock So what I should do now? I do not want to login to the link given until I know how I should respond. This was sent via normal post in a brown envelope/not regd post etc. I am presuming that this must relate to the unpaid loan from 1999 due to the figure (Between £6-9000 have removed the exact figure in case anyone from those companies reads these forums) which would be around the right mark + I don't owe anyone else that kind of money etc... I have no idea who Arrow Global or Fairmile are??