I presume that after I have sent letter N they will have to contact HFC and get the original agreemetn. After that, do I start trying to cut a deal/

Thanks so much for your reply. Very helpful.

I have received a letter from 1st Direct and now their solicitors LCS, saying I must pay debt in full within 14 days (letter sent May 9th) and that if I can't I should call them. I was going to do this and arrange a repayment programme as I'm now in a position to do this, but after reading the forum I'm inclined not to. They sound apalling. I owe £7,500 to HFC Bank, but the debt has been passed around a lot. It was with Lowell, and I was paying them back 20 quid a month, but then, according to Lowell, HFC called back the debt, so that all came to an end. A couple of months passed and I got a letter from 1st Credit (I'd rather hoped HFC'd written it off - fat chance). It was sent to my old address - they don't have my new one as I've been living abroad for the last year, although I'm now living with my girlfriend in the same city - and so I didn't reply to the first one hoping, studpidly, it would go away. It hasn't. As I say, I have a letter from LCS solicitors. I have never been in this position before. I am asking if there is anyway I can duck this debt. Is there? After all, they don't have my new address or a telephone number for me. Sure that's just wishful thinking. Anyway, can anyone advise what I shoud do about the LCS letter. I read through the forums, but am confused. It would be reallly helpful if someone could send me the template letters. I have taken heart and comfort from the posts on the forum - they really do try it on, don't they? - but I just need someone to give me a simple step-by-step guide to dealing with LCS. Looking forward to hearing from someone.