honeybee13 - that is a shame. Nobody on these threads ever gets back to tell people what their experience was. People come on here because they are concerned and looking for the right course of action to take. I cannot possible list down on here everything you should do in every circumstance. If a member asks me a specific question on this thread I will answer it help them. Reading some of the comments on here when I got my first letter from CWD very nearly got me in a right mess due to ill informed people posting nonsense about what CWD can and cannot do. The ignorance of some comments is outstanding.

Anyone who wants specific advice can pm me and I will help. you know nothing unfortunately my friend. You most certainly do not know the Barrister or you would be better informed...

ToBeWan - I have personally dealt with these people - CWD specifically and I have paid significant amounts of money for top quality advice from Barristers in the UK. I am afraid that you are being somewhat misled in the advice you are getting on this thread. It seems everyone has a view and everyone is an expert. I have negotiated 2 separate debt cases and I will be pleased to advise you on what to do.