Hi there,

I’m hoping I can get some advice from all you knowledgable people on here.

We have a few debts which have ran up but this one that’s raised its head was originally a Simply Be account which was passed over to Lowell.

Had the usual threatograms from them and now it’s been transferred to BW Legal. They sent a couple of letters and now have passed it to BW Scotland.

The letter today says full payment or contact required by 5th April or they may start court proceedings.

Now I have looked into this and I can see lots of cases where they have gone for court action, but those letters seem to be worded differently to this one.

As it says we may issue proceedings not we will.

Is this something I need to worry about or should I just keep ignoring for now?

I don’t want to contact them as I’m very easily bullied by them and end up agreeing to things I can’t afford. Hence always being in trouble!

Any advice would be greatly appreciated.

Retitled and moved to Scottish forum

Last payment date?

Thank you for moving for me. I’m not sure exactly, but would guess at at least 1 year since we paid it. We stopped when my husbands work went into administration and he was made redundancy with no pay. That was 3 years ago and I’m sure we struggled for a while and then had to stop paying.

How much

Is this on your credit file?

Yes it’s on credit file. Just had a look and last registered payment was Nov 16. It’s for £1.2k, can’t see a default date on clearscore but must be after Nov 16 anyway.

Just had a look at the letter again and it’s titled letter of claim, but all says may rather than will, so hoping that makes the difference.

The account was opened and ran online, no physical signatures have been made by me on the account.

is it a pre action protocol letter of claim?

Hope this is 3rd time lucky!

Photo.pdf

read it properly... DOES NOT SAY WILL anywhere...

Ok, so is this just another scare tactic? Was just worried as I’d read online that BW always go for legal action. Thank you for all your advice

Just remember

a DCA or their fake/tame solicitors

are

NOT BAILIFFS

and have

ZERO LEGAL POWERS..

all they can do is the same as you or I if we think someone owes us money

issue a claimform

Thank you Dx100uk, I managed to sleep a bit more soundly last night.

If they do go for a claim form, do I lose the chance to pay in instalments, as I can’t afford to pay it in one go, or else I would.

Sorry for sounding so stupid about this, I thought we had sorted nearly everything and then this happened.

These letters always scare me!

even if you get a decree you can still pay in instalments yes

let it run