It always annoys me that they tell such lies in their letters to try to frighten their victims and seemingly with complete impunity. Mrs O'Frog's BS detector provides the correct interpretation below:
1. "Our client is now assessing cases" - scratching their heads or picking fluff out of their navels.
2. "Should we take this action it will result in" - oh, so no "may", "might", "maybe", "perhaps" - I wonder if they have next week's lottery numbers too?
3. "Further solicitor charges being added to your balance" - nope, can only recover the amount on the ntk from the keeper under POFA ( + max £50 for somebody to attend court on the day)
4. "Court costs being added to your balance" - so that'll be the £25 filing fee, not £000's they hope you'll worry about
5. "County Court Judgement (CCJ)" - well of course it will. You go to court, the judge makes a decision who's right and who's wrong, that's called a judgement. It could be against you OR the judgement could be to dismiss the claim. Think of the judge as a football referee. You make a tackle, your opponent claims he was fouled, do you just pass them the ball and give up or wait for the referee to blow his whistle?
6. "We urge you to consider the consequence...… seriously affect your ability to obtain credit" - So if they take you to court if they actually go through with it if you lose and the judge says you need to pay them (approx. £200) if you're daft enough not to pay them within a month you're allowed, then (and only then) you will get a black mark on your credit file.
7. "We would of course prefer to resolve this matter" - so we get our commission
8. "PLEASE DO NOT IGNORE THIS LETTER - we really, really want our commission
I understand Mrs H is getting twitchy and thinks that a quick letter will have them apologising for bothering her and trotting off politely, but that's not how they make a living, they're strictly PBR.
In any event, she should ask herself this, if she was determined to write to them despite what everyone advises- if "somebody" did reply to them would it be Mrs C Homer, thereby tipping them of to their error, or the non-existent Mr C Homer thereby deliberately misleading them