Well had court papers from bryan carter. Issued 17/oct + 5 days = 22nd Oct + 14 days = 5th November to respond. 1) am I better to respond now? or leave to closer to the 5th Nov 2) also if I do the AOS would it then be that I have a further 14 days from 5th nov?? never had any default notice not sure where to go from here ?

i last made a payment on this about 4 years ago. It may be even 5 years ago but I would have to back track and check. used to have it on a dd but cancelled when they wouldn't stop my ppi and were overcharging me even though i had a dd in place.

thats great i will print off the letter up above and send it as dont need the stress of this at the moment.

any chance someone could give me some advice with regards to this ??

Hi Brigadier2jcs, would this be the same letter i would need to send to carter llp ? I had the same letter but mine was now for about £1600 with all charges etc that was dumped on to the credit card including also ppi ( not sure if can claim back ppi on this old card)

Thats precisely the same letter i received today.

Hi I had a credit card with aqua which went to Lowell Financial Limited. This then went to a company called Fredricksons. I had a letter from BRYAN CARTER SOLS on 19 jul saying i needed to contact Fredricksons within 14 days (which I didnt) now received letter dated 9th august which says " we have been instructed by fredrickson international limited on behalf of lowell financial ltd to issue court proceedings on 23 august 2013 if payment of this debt is not received by us by that date" Question is what do I do?? I have never written or spoken to any of these companies. thanks in advance for any help ***Forget to say on letter dated 19th jul.. it says our client lowells, then asked by fredricksons to contact and on bryan carter headed paper ??? very confused..

Hi I had a credit card with aqua which went to Lowell Financial Limited. This then went to a company called Fredricksons. I had a letter from BRYAN CARTER SOLS on 19 jul saying i needed to contact Fredricksons within 14 days (which I didnt) now received letter dated 9th august which says " we have been instructed by fredrickson international limited on behalf of lowell financial ltd to issue court proceedings on 23 august 2013 if payment of this debt is not received by us by that date" Question is what do I do?? I have never written or spoken to any of these companies. thanks in advance for any help ***Forget to say on letter dated 19th jul.. it says our client lowells, then asked by fredricksons to contact and on bryan carter headed paper ??? very confused..