I have been working a new job abroad for a few months and
have returned to the UK with some frightening letters in the post.
Regarding a HBOS credit card that has been defaulted, due to unemployment.
The first letter dated 24th sept 2013 from BW
to say they have been instructed by Llowell in respect of the debt.
'With this letter, you will have been served with a Statutory Demand by our process server'
This is a single page letter with the SD attached.
The second letter dated 7th October was hand delivered and posted first line says
I have been directed to serve you with a SD issued under the insolvency act 1986 on behalf of the creditor.
It also says that they will attend my home on the 14th October to serve me
and if I cannot meet them or keep any appt they will serve me by posting in my letterbox.
The third letter dated 25th October 2013 says that I was served
and if they do not have a response by 4th nov 2013 they will send bankruptcy petition to court.
Forth letter 2nd Nov 2013, as they have not heard anything they will send petition to local court.
Fifth letter 29th Nov 2013, despite previous attempt to resolve.
A decision has been taken to withdraw the SD and issue proceedings.
Unless the full amount is received within 14 days.
I arrived home on Thursday and have waded through my post...
I have not contacted anyone or replied.
Can anyone advise what I can/should do from here.