hi all, sent sb letter on mon.28/1/14, they recieved and signed for it on tues @~ 7.33am. what is the deadline for them to reply ?

many thanks to all of you.......1st action SB followed by SAR and then see what happens ehh. regards...

what is a SAR ?

hi, where can I get SB letter hints pls...

hi, thanks for prompt reply.... ..just to check, the car was sold within 3 months and I argeed then to pay £10 per month. I stopped paying in early 2005 and although recieved letters, I never contacted them again. its only when 3 months before debt would have been 6 years old lowell put the default on my CR. and now threaten me with court costs, sol. fees,etc.

sorry, further to above info. the debt is £8242.00

I have a very old debt with black horse for a car loan (started 4/11/2003) shortly after I had money Problems and BH suggested taking car back and selling it to clear most of the debt. I have not spoken or witten to them since 2005, yet this year I recieved a letter from lowells saying they owned the debt and put a default notice on my CR on19/8/2010. I have ignored them and have now recieved a letter before action from Fredricksons dated 23/01/2014. I have not spoken or acknowledged this debt for at least8+ years, can anyone advise what I should do or not do please. (Q. SB maybe)