i really need help! ive been sent a letter by a solicitor saying they are acting on behalf of a finance company - i gather theyre one of the same. anyway they say ive had a ccj and i havent been keeping up with repayments. and now threaten bailiffs and need £250 immediately then payments of £125 a month until the debt is cleared - the total owing is only 315.
firstly, i have not had a ccj or any letters from this finance company - i moved addresses so im gathering it was sent there. im on state benefit and cannot pay what they ask for at all! i have other debtors who ive manage