thanks again guys - one last thing before i stop fretting for a while - why are they saying they will use a county court from Northampton? If they are based in West Byfleet then its Surrey and i live in Hertforshire near Essex border so Northampton is no where near me!

Thank you

Sorry i dont have a scanner but the general gist of the letter is "because you have failed to contact us or agree to a reasonable payment plan we assume our only option is to persue the matter through the courts. The schedule of litigation activity is as follows.... Activity letter before action from our external solicitors - time line 7 days issue of claim form by the nothampton county court ( although i do not live near northampton??!!) - time line 14 days from the date of the "letter before action" application for judgement order from the court - time line 14 days from date of service claim form application of enforcement of the county court judgement - timeline approx 14 days from issue of judgement you may raise a defence etc etc bla bla bla

I am still trying to "pretend i dont exist" i realise i may have to face up to reality but i was wondering - i have received another letter - this one entitled "schedule of litigation" - what is the procedure for being taken to court? Will i be made aware of when a court hearing is or can they do this without me? Will i receive actual letters from the court telling me when the case is? I really have no idea about this at all. Is it worth still ignoring their letters?

Hello all - to be honest i have printed out all the relevant letters to send but i have not sent them - they sent me the "72 hours or we will get you" letter a while ago now and i have not heard anything from them since. Im going to ignore them for a while longer and see what happens - to be honest my fear is - if i write to them then they will be sure they have my address - they have no actual proof of anything at the moment. If it gets serious again i will follow all the kind advice i read on here Now - knowing my luck - tomorrow i will get a court summons.

Thanks Coledog for the letter template - i cant send it off until tuesday but will get it done ASAP. Much appreciated

So, today i received a new letter from the lovely HFO telling me i now only have 72 hours to contact them or they will get very cross indeed. They also ,very helpfully, included a few photocopied sheets of paper telling me "what to do if i cannot pay my judgement" .. and the amount i owe has been raised a little bit for their troubles. Im still unsure if i should just ignore them completely or go with the DRO. Thanks again for everyones input

thank you Seq. Much appreciated

Thanks everyone - i cannot upload any photos of my one and only communication from HFO but i can tell you that it was exactly the same one as Dogtrainer uploaded I have not used or even seen my barclay card for over 4 and a half years and i think i have had it around ten years ( give or take ) What i really want to know is what is wrong with doing the DRO? And what if they take me to court? Ive never had to deal with people like this before so i am wary to say the least - im not stupid but i dont wish to get myself in more trouble when the debt relief order will get me out of trouble - i bow to those with more experience and better judgement

Under the advice of wiser people than myself i have started a thread here to explain my situation and ask for a little bit of help. I have received a lovely "threatener" from HFO services for a Barclaycard debt that i thought i had out run. The debt is for nearly £3000. I had a little panic and considered ringing them but after reading the posts on this forum from people concerning HFO i decided to try other things. I have been to CAB and they put me in touch with the National debt line people. I am on long term incapacity benefit and after working out my incomings and out goings i have just under £30 a month left to put towards any debt repayment. i Stated in another thread that i was considering a Debt relief order that would wipe out the debt for no cost to myself after a year so long as my circumstances do not change - ie. debts under 15 thousand - no assets - and less than £50 a month after outgoings all paid. I was advised that i should not do this if it is my only debt ( which it is ) and to not even send a Hold action letter to HFO. As i have no expertise in this area at all and have no other debts and am not likely to accrue and more debts, i would be very grateful for any further advise. The DRO sounded like a good idea to me - is it not? Thanks in advance LBP

Hello - First time for me on this site but i had a letter exactly the same delivered to me two days ago. Never been in this situation before so had a bit of a panic and then read the threads on here and didnt feel so bad. I defaulted on a Barclaycard bill 4 and a half years ago and thought in my ignorance that i had out run it. But no! After reading alot on here i took a trip to the CAB and they put me in touch with National debt line who i spoke to last night. My situation is that i am on long term incapacity benefit and have hardly any money coming in at all. After my out goings i am left with about £ 30 a month. After a very helpful chat with the debt line man he suggested that i might be eligible for something called a debt relief order - this basically means that so long as i dont have more than £50 a month left after paying all my out goings that in a year the debt will be wiped and HFO will get nothing at all. I am going to send HFO a hold action letter but i dont k now if you can do a recorded delivery to a PO box address? If for some reason the debt relief order is unsuccessful then i will have to agree a repayment scheme with them. Basically i was just writing here to say thank you to all the people who have contributed on this forum for calming me down because i was on the verge of ringing them up or ignoring it ! And i know that many people here may not be able to apply for the debt relief order but if you have a debt of less than 15 thousand and no assets and basically no available funds then this might be the way to go. Fingers crossed and thanks again