Hi Uryu i sent a PAP reply form to my 2 final demands, if you search my threads DX kindly sent me the links a few times, if you can’t find them let me know Cheers

So the form is just a print off and fill in as the top of the form says they have 30 days to fill in and reply or are we providing them the form they should have sent me?? What is me recommended response for dispute? God you must be loving me!!!

Sorry is the attached not good enough for letters not subject to court claim?? Response Letter.pdf

Slowly but surely just hang in there and I will get there eventually Shows we can all read things incorrectly Please see both final demand letters attached, nothing since this. each debt letter from moriarty.pdf

For proof of postage!

Thanks DX your explanation is great and helps me understand this situation a bit better. because they got no response on my final demands they submitted a county court claim hoping again i would not respond so they could get a backdoor CCJ? Now I have responded they will need to provide all docs requested which they may or may not have, if they cannot provide I guess it will go quiet until they try again! is it likely they have done the smallest one because it’s small claims? the others would cost more to persue?

Cheers SquadyP, will do and it will be hard for them to get something from nothing

Having only been into this for a few days I cant say I am filled with huge amounts of confidence in what I have searched or read because most threads just stop with no result or outcome. I assume its just because everything stops and goes away. Having read of people going to court and the outcomes is what knocks me back but as you mentioned this is due to their mistakes or its scare mongering. This is Of no detriment to you and your help what so ever just things i have read so far but will keep plugging away and try to understand better

I will get tracking on all letters for proof.

If this does go all the way would I ask them to bankrupt me, not in this claim but the other 2 mentioned. I have no assets and no spare income for them to take a payment plan. Obviously fighting all the way but I’m thinking worst case scenario?

Nope only responses going in post are CPR and 2 copies of the letter sent above which in future will PDF:) is that reply ok though or should I change to yours?

I am reading as many as possible but cant find anything that has received County court claim

Response letter for both with appropriate ref No. All ok??

Ahh yes ok, I will set up myself some reminders in that case, will all of there response come via Post or mcol?

Thanks DX, much appreciated, can you give any pointers on defence letter, I will compile and submit ASAP as would rather get it out the way?