unfortunately, i have got those letters last sunday...and i am surely i made the payment back on time. there is unfair that they include" We believe that this letter fulfils this requirement even if it is not actually read by you. ", as certainly i am not able to read or receive it during their expect period.

the first letter written on 02/10/10: " It is a legal requirement to send a notice of intended litigation before legal proceedings the County Court are issued. We believe that this letter fulfils this requirement even if it is not actually read by you. To prevent our recommending to our client that solicitors commence legal proceedings, it is essential that you settle this debt without delay. Payment should be submitted in full within 7 days or contact made with this office immediately, by telephone 0161 475 2878 or by letter, with your payment offer. Both our client and we do not wish to take this action but if agreement cannot be reached by 09/10/10, a claim may be issued by our client’s solicitors without further notice. We would draw to your attention that if judgment and an order for repayment in full is obtained and remains unpaid, a range of court enforcement options are available and may be considered. We could emphasise that should judgement be entered against you this may affect any future credit application you may make elsewhere. We would also draw to your attention that all legal costs incurred are usually payable by debtor. Please contact us today as we will be happy to discuss a repayment programme that you can afford and maintain. All payments must be made payable to “Moorcroft Debt Recovery Ltd” and forwarded with this letter to the above address. Yours sincerely, AS.J.Martin " The second letter wrritten on 11/10/10: " Notice of possible litigation To prevent the above action please send payment before 18/10/10 or Telephone 0161 475 2878 immediately. If you do not contact us following receipt of this letter we may have no alternative other than to assume that you are avoiding repayment of this debt. In this situation we may recommend to our client that solicitors issue legal action against you which may follow. Please note if legal action is necessary your debt may increase as follows. Current Balance £4781.40 Solicitors Costs for Issue of Claim Form £80.00 Court Fee for Issue of Claim Form £80.00 Solicitors Costs for Entering Judgement (by default) £25.00 Total Debit if Judgement is obtained £4971.40 Please contact us now. A.J. Martin " as i am not in uk, i got those info. by last sunday.... it seems they probably sent the third one out already.

2grumpy, thanks a lot. any template that may suit my status, should i ask them to hold their action first? do i also need to write a letter to my bank regarding to re-settlement?

hi silverfox1961, my friend in uk who has collect letters for me. should i ask both the bank and moorcroft to send letters to my current oversea address? and ask them to hold any further action as i am going to resettle the payment plan to my bank?

yes. i am still out of uk due to the HO rejected my work permit application in 2008. it cased my privous employer had to drop my job offer, and leads me out of the ability to pay off my debt. btw, i am not uk citizen, but i don't wanna my situtation ends on bad records.

thank you, 2Grumpy. how can i write a letter to Moorcroft or my bank in order to avoid further actions? any suggestions? or should i just phone one of them back, would be better?

I recently recieved a letter from Moorcroft Debt Recovery Limited regarding to my bank debts. i really don't know what i am going to do about.... here is my situtation: 6 months ago, i made an deal with my bank due to unemployment and also in the case of not be able to return to uk, then the bank agreed to freeze my loan and bank overdraft,which they won't charge me any interests and late payment charges for 6month, they agreed that i pay just a small amount every month in my current financial status, however, during the negotiation with the bank, i was asking at least twice to send me a confirmation letter of the deal which right now i haven't recieved any, but instead of some letters about the debts payment... to ask me pay the amount of money that was not from the deal otherwise they will take legal action.... then i phoned the bank couple of times, the ppl over the phone just told me to igorne those letters, they said it is just kind of process of the bank system. BUT now... I finally still got the letter from debt collector.... CAN ANYONE HELP ME, GIVE SOME ADVISES. I AM REALLY DESPERATED ABOUT the bank.