hi, new user, been following thread since page 110 when I got my first letter in march/april time, used the great advice here to construct my first LOD and everything else. I need to reply to my 2nd letter soon but am struggling with what to write, wondered if anyone can help or point me in the right direction, i'm not stupid, but as this is legal stuff, detailed help would be great, thinking for myself is no good lol! it's a media cat case, "no payment,satisfactory response" "response was template response,declined to accept at face value" "if it becomes necessary to issue proceedings" "therefore urge you to use this opportunity to settle" also included is a fact sheet. thanks in advance, BH