Good morning, Just a quick spot of advice required. I used a company called I-smart to chase a credit card for a PPI claim a few years ago. They were successful and I received a payment into my bank account. I understood that I-smart would deduct their fee from my final payment but apparently they messed up and did not take the payment. I spent the money almost immediately when I received it paying off another credit card, now I do not have the £904.81 that Wilson Rose are chasing me for. I have received a letter this morning from Wilson Rose stating that unless I pay immediately they will start bankruptcy proceedings against me. Is this legal and can they do this was my initial question please? I am trying to get the money together in order to pay, but do not wish to be threatened with something like this if it is not right. many thanks in advance for your advice if possible, Geoff66