HI Everyone, I am new to this forum but I have followed this board for some time. I have been dealing with PB Legal since July this year. I had my first letter to which I panicked. In this panic I did sign and send the first letter but did nothing else. They replied 3 weeks later saying that they still need the items and all the other paperwork from me. I ignored that letter. Two weeks later I had another letter stating that this is my only chance or they will be forced to file for legal action. I replied to that explaining that I am not able to pay this sum as this was my only source of income. I also explained that I contacted BMW and that they never heard of this company, and that if they do in fact work on behalf of BMW UK I would like a confirmation of that. Today I received another letter saying that BMW UK "does not consider it necessary to get involved" and that they contacted them and have agreed on a full and final settlement of this matter for a lower amount. Should I still ignore that? Will I be in trouble for signing the first papers? Are they really working for BMW? Isn't it a legal requirement to provide me with a confirmation that they work for BMW? Your help would really be appreciated. Kind Regards Tom