Not really advice, just my opinion but i say go for it There is plenty of advice on this site about fighting the pcn's. Have you got anything in writing or was it all dealt with over the phone?

Hiya Electricmayhem, Have a look through these template letters http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html Hope they help, also don't forget to also tell then to stop calling you as all these calls your getting is harassment, tell them to only contact you by letter. Remember, tell them, don't ask them!!! Best of luck!

Right, first off don't panic!!! Is this is a straight forward tale of old bank account, gone overdrawn, bank charges then walk away hoping it would all go away? (I've been there and done that myself) This is what i did.... First thing to do is get your friend to write to westcott asking for a cca (Your friends credit aggrement, if they haven't got it they can't enforse the debt) go here for the template letter. http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html Also tell them in the letter to stop calling your friend, it's called harrasment!!! If they supply the cca then write back offering payment, use the same link for this letter. ONLY OFFER WHAT YOUR FRIEND CAN AFFORD Don't let wescott push for unrealistic payments. Hope this is some help, good luck!