I got a "Despite written and verbal correspondence from champion soccer the above debt remains unpaid. You now leave us with no alternative but to make an application to the Northampton county courticon to recover the amount. Please be aware that in the likely event of our application being successful you will be liable for the court costs, in addition to your credit rating being negatively affected. Our application will be made on xxx 2016 without any further warning, unless we hear from you before 4pm on this date" letter today. Has this ever gone anywhere with anyone? Thanks