Hi guys, I got a second letter today this time from CCS Collect. It says the following; TAKE NOTICE if settlement of above sum is not received in this office by 12 NOON on Tue 13th Jan 2009, we are authorised to prepare legal documents for the issue of County Court proceedings against you. We have no doubt that legal fees, costs and interest will be added to the debt increasing substantionally the amount you must pay. ONLY payment in full will dissuade our clients from taking further action. So do I just continue to ignore them completely? Are they just bluffing? Out of interests if they ever contacted me by phone and I just told them to go **** themselves would that jeopordise my case? Their threatening letters really **** me off to be honest.

Ok thanks guys, will they eventually go away then? If they were taken me to court what would happen then? Would I get a warning and time to react or would I just get a summons?

Hey guys, I for the past year or so I've been having a dispute with the student loans company. I have both an old pre 98 loan and a more recent 2002 loan. Every year I am supposed to get my old loan deferred. I was diagnosed with cancer in May 1999 and was left with severe lung damage and a weak physcial state and havn't worked in almost a decade. My conditions are permanent, extensive lung scarring caused by one of the chemotherephy drugs and there is no possiblity for improvement. I was told by the student loans company that if I could prove my medical conditions with a letter from my doctor and that I was permanently unable to work that my pre 98 loan would be written off. My doctor sent them a letter stating that I had a prodigious medical history with serious health problems relating to my extensive cancer treatment over a period of two years. He confirmed I had been unable to work in 10 years and that as my conditions were permanent and non improvable that my chances of ever working again were virtually nil. The Student Loans company rejected this letter as they claimed 'virtually nil' allows for the possiblity of future work. They have for the past year sought to gain over £400 in late deferment charges from and I get a telephone call from either them or a debt agency every couple weeks. I must admit I can be a real arsey bastard when I think people are treating me in a rude and unfair way and so I am being deliberately as obstinate as possible with these people. The debt collection agencies continue to threaten bailiffs and court action and I have written to one to say that the debt is in dipsute and I am happy for it to go to court. The debt has been returned to the Student Loans company who continue to press me for it. I have been told that I need to get a more strongly worded letter from my doctor and to replace 'virtually' nil with 'nil'. So far I refused to do this, simply becuase I have taken offense to this and their constant demands for money. When they telephone I simply reply that I cannot work, have provided proof I cannot work and have provided evidence that I cannot work in the future. When they tell me that the letter is not strong enough I have been saying merely that I reject that and in my opinion the matter is concluded. They tell me it's not concluded and that I must either pay or get another letter. I am happy to go to court rather than provide another letter because I feel like I am being bullied and as a matter of principle I am resisting getting another letter sent, although my doctor would do so without any hesitation. I'd just like to know my legal rights in this situation and what is likely to happen if this did go to court? I can prove my medical conditions so should I just continue to be as obstinate as they are and allow them take me to court if they wish or should I just get another letter written? I really don't want to send another letter simply because it feels like they have won then, as pathetic as that may sound! I just think they should contact my doctor themselves if it's such a problem for them or else take me to court, a case I am sure they would lose. What would you guys do in my position, send another letter for an easy life or resist and dig your heels in because I feel like they are treating me in a rather dehumanising way? Thanks in advance for your help and advice.

Hey guys, this is my first post and just want to be sure I'm doing the right thing here. I've read through the advice and think I'm ok but some personal reassurance would be great. I recently rejoined a chess club where I used to play several years ago. Back then I always parked in an empty business park down the road from the club for 3 years without problems. In September though when I parked there as usual I came back and discovered I had a £100 fine reducable to £70 on behalf of WJ Parking for parking without a permit. I hadn't seen the signs or even considered looking to be honest as its where I always parked. After speaking with the guys in the chess club they advised me to park in the public library carpark round the back in future. So the following week I parked there, again an almost empty carpark. However when I returned I had got another ticket and £100 from WJ Parking as I had parked in the wrong bay. It seems only 5 of the spaces were for the library and the rest, (around 30) were private permit holders only and completely empty of cars. So in 7 days I had two £100 fines. After coming on here I was pursuaded that they had no legal powers to enforce and decided to fight them, well actually ignore them. £100 is just ridiculous for parking at night in an empty carpark for a couple hours so I'm not going to pay them without a fight, that's for sure. Yesterday I got my first letter from them demanding payment. I just want to know if I should respond to this letter or ignore it completely? Also what would my defense be if this came to court? Do I just do nothing and let them send out letters or should I reply with one of the templates already? Thanks in advance for your help guys, hope you are all having a very merry Christmas!