Thanks for that Andy. I have to say you make a fair point about them being patient! I suppose the fact that I was charged exorbitant fees over the years prior to reaching the point it went to court and, added to the fact that it has caused me so much personal misery, has made me feel very angry and reluctant to pay anything, but I need to deal with it. I will write to each of them and make an offer (made with the help of a good friend of mine) and see what they come back with. Will come back to you. Thank you very much for your assistance.

The letter from WCG states:- "We refer to our recent letters and are disappointed that we have not received payment or any proposal for repayment from you. We are now considering with our client whether an application should be made to the court for an order that your property is sold in order to repay the sum outstanding to our client". As mentioned this has been ongoing for 8 years now and i do not see how they can enforce a sale of property that is part owned by my wife. They have asked previously for me to complete an income/expenditure form which I am reluctant to do because I may have to go back overseas which means the information would be worthless. Should I consider writing with an offer of settlement as a lump sum. It is likely to be only 15% of the debt owed but that is about the best I can offer.

Ok thank you for that Andy. My main concern here is that if I make a direct response that they will come after me for more money than I can afford to realistically pay. I am also aware that these companies use the fact that they are the newly appointed solicitors to restate any scaring tactics that might not have previously worked (this has been going on for 8 years). If I wanted to make an offer for settlement how should i go about that?

The Natwest account was moved from Ascent Legal to Drysden Fairfax in a letter from Natwest (which looks photocopied) with an attached letter from DF in August this year. I cannot remember if Arrow has always held the account for Egg. Unfortunately during the time I was overseas any correspondence of this nature was binned. Very foolish I know but at the time I had too much on my plate. I have also just found some old paperwork that shows Irwin Mitchell were involved prior to that.

Yes. The accounts and the judgements were in my name only and all correspondence received subsequently has been direct to myself only. Thank you Spanrob

I am hoping you can help me with an ongoing issue i have had over outstanding debts to both Egg and National Westminster Bank. Some years ago i got into some financial difficulty and found myself unable to pay outstanding monies due to Egg/Natwest. Eventually i got taken to county court and in both instances the debts were frozen with no further interest being added but both took a lien on my property. As a result of this situation i had to take some drastic measures and went to work overseas which proved to be less than satisfactory and helped to virtually destroy my marriage and send me into a deep depression. The debts still remain unpaid but i have received demands over the years from various companies - most recently Arrow Global/Wilkin Chapman Grange for Egg and Drysden Fairfax for Natwest. In the past couple of days I have received a demand from WCG acting on behalf of Arrow Global threatening court proceedings to force the sale of my property. Is this kind of letter legal? My property is owned jointly by my wife and myself. As my original contract was with Egg and not with Arrow Global can they legally force the sale of my property or indeed repayment of the loan to them? I am new to these forums but have found some very interesting posts and hope that you might be able to assist me. Many thanks Spanrob