Hi, Hope someone can give me some advice on this. Ok, here's my back story... I fell into debt in 2009 after getting out of my depth with catalogues etc, I did have a car on HP at the time but couldn't afford that either therefore it had to go. I'm pretty sure I handed the car back to Black horse in early 2010, unfortunately I cannot remember the exact date or the last time I made any payments directly to BH, but assume it was a few months before I handed the car back. I joined a DMP (Debtline) in 2010, which I was in until 2011. I paid £120.00 a month for several debts, the catalogues and HP for the car. I had to cancel the DMP in early July 2011, lost my job and then husband bolted, no income meant massive cut backs had to be made. I think its safe to assume that as BH was in the DMP the last payment (albeit reduced) made via the DMP in June 2011. I have checked my historical bank statements online (from May 2010 to present) and I can see payments to the DMP, up to and including June 2011, I cannot see anything for BH. I'm now happily divorced and have been working hard to sort my self out, I've paid off a few smaller debts and currently have a payment plan with Lowell on 2 other debts (catalogues, reduced figures due to negotiating at £10 a month each). However, I've now received 2 annual statements and a letter on the same day from DLC for a debt of £6,268.00 from Black Horse for the car, the letter is offering me a discount if I pay what they ask for. (This was addressed to me at my previous house, I know the current tenant who passed it on) This is the first time I've heard from anyone about this, I haven't heard anything from Black horse for years, last time was before the DMP, neither have I had any communication with any debt collection company over this debt. I dug out my old credit file from 2015 and there was an entry for Black horse, this had a start date of 14/10/08 with payment terms stated as: £11161 x 17 months and a default date of 10/08/2012 with a figure of £6268.00, which is over a year after I last made a payment through the DMP! I also dug out my 2016 credit report and there is no mention of Black horse or DLC, and there are no CCJ's listed. I have checked my online report, nothing about BH or DLC (or CCJ's) and have also ordered a new £2 copy for this year to double, double check. I'm aware of the statute of limitations and I am wondering how would I go about finding out the actual default date? I don't really want to do anything to inadvertently acknowledge the debt. Happily take any suggestions or advice on how to proceed with this. Thanking you in advance

Good afternoon everyone, Currently I have Rundles bailiffs harrassing me for payment of a fine from a council. The offence was a Bus lane violation. To try and be concise, I owned a car and it broke down and wouldn't run correctly. I took it off the road and did not repair it. The tax ran out so I declared it SORN. The insurance then finished on02/09/2014 I sold the car off the driveway to a chap on 30/06/2015 I was concerned that he was driving it away(albeit slowly) without tax etc... and warned him it was his risk and gave him a receipt for the sale. Witnesses were there to see me sell him the car. On 11/10/2015 he, or whoever had the car committed a bus lane violation in the next council area. I had moved houses in the meantime and did not get any letters from the council alerting me. I posted off the V5 as demanded, but perhaps he hadn't sent off his part? Fortunately I had scanned the V5 document before sending it off! It appears the car was still registered to me at the time of the offence, despite me sending off the V5. Rundles bailiffs have been chasing. I found the scan of the V5 and sent it to them, they have demanded other "proof" Today I have had a long but ultimately successful phonecall to my insurers at the time, adn they have confirmed that the insurance ceased in September 2014 "Cessation of insurance" is one of the "Proofs" Rundles seem to require. My insurance company have just sent me a PDF electronically of the cessation of insurance, and confirmation of my no-claims at that point. Should I send this on to Rundles? I have already sent them the scan. They have also asked for "proof" I sold the car saying the V5 isn't good enough. I have searched for the simple receipt of sale I wrote out 2 copies of, one for me and one for the buyer, but have not yet found it. I don't keep everything! I do have witnesses to the sale though, who clearly remember the car being sold. How far do I have to go to jump through Rundles hoops? I appreciate they are a business, and have a job to do, and that an offence was committed, but I don't like their bully-boy approach. Any suggestions as to how I should proceed? Many thanks in advance, this forum has always been exceedingly helpful!

Hi Just before christmas received a letter from Euro Car Parts Stating that wife had parked on Kay St Bolton car park without attatching a paid ticket on the window i phoned them stating i have never parked on this car and do not intend on parking here ever never spoke to such rude people. after 10 minutes of arguing with a sarcastic person down the phone i was told to appeal which i havent i instead sent an email to their CEO office also a person who doesnt reply to his emails he receives. They claim my wife parked there between 13:47 and 15:00 and didnt display a paid ticket on the window she has told me she has not been in this car park and cut through just to avoid the build up of traffic on the same road but she never parked there or stopped in this car park sent their ceo a nice email politely asking for the CCTV images of her entering the car park, parking up the car and walking off without paying for a ticket and also at 15:00 an image of her getting back into the car and driving away just as exepected no reply off him sent the same email twice. Today another letter comes through saying the 40 pound discount has passed and i now owe them £100 to be paid in 28 days or they will instruct a debt collector. This company sounds like an utter joke What steps shall i take now as they refuse to email me back. im just disgusted at how they think they can obtain my details through my registration and my address

Hi Can someone please advise on whether a DCA can reconstitute a CCA and DN for a credit card taken out in 1999 and if they can use it to enforce in court. Many Thanks

Hi, I've been Chasing the Clydesdale bank for 4 years over mis-sold ppi from 1991 . I received an offer from them this week and was wondering if anyone could help me with the offer calculations, I am struggling to work out if the calculations are fair and correct. The loan amount was for £4800, taken out in August 1991 over 5 years & the monthly repayments were £149.47. The offer details are PPI premiums paid £1343.52 Plus 15% simple interest £47.78 Plus 8% simple interest £2468.65 Minus 20% incometax on simple interest £503.29 Total compensation due £3356.66 Not sure if the PPI premium was loaded upfront at the start of the loan or if the premiums were taken with each monthly instalment. If someone could please explain how they worked it out and if its correct,I just can't get my head around it. Much Appreciated Thanks

Cabot are chasing me for a 12 year old Goldfish debt. I've just sent them a CCA. Who owns Goldfish now?

Hi, I'm hoping someone can give me some advice. I have an old MBNA debt which I defaulted on in 2010. Since then I have religiously been making pro-rata payments up to and including this month. MBNA sold the debt to Aktiv Kapital who in turn sold it to PRA in 2014. I know that PRA have been receiving my payments because they sent me a letter towards the end of last year saying "...thank you for your ongoing commitment to the payment arrangement on your account". It goes on to say "....We would therefore like to make you aware that if it suits your current financial situation, you could settle your agreement by paying a discounted amount which is detailed below" The letter ends with " If you feel you are unable to pay the settlement amount then please continue with your arrangement as normal." Which I have done! However, on the claim form they state "..Payments of £307 received up to 16/6/16" and are now claiming sum owed plus 8% interest + court fee + legal costs. I know I have not missed any payments because my bank statements tell me so I know they have been receiving them because they wrote and thanked me for my continued commitment 4 months after the date that they claim they received last payment. To say I was shocked and confused to receive the claim form from the court is an understatement. What's going on? and how to tackle this? Any help would be appreciated.

Not been here for a long time but still recognise some names. When I was last here sorting my things out, I still lived at home and was a full time carer for my mother. I graduated in 2001 and didn't find work til May 2002. I worked til October 2002 when my mother had a stroke and I became her full time carer on Income Support and Carers Allowance. I, unfortunately, had to stop caring in July 2012 because I was extremely ill with untreated thyroid and autoimmune diseases. I moved in with my OH. Because I was a carer I was able to claim ESA Support Group from July 2012 til present. I let Student Loans know I had become a carer and sent a deferment at that time. Subsequent deferments 'allegedly' never arrived with them - 6 in one year - and to be fair I had more to worry about than keep going on like that. I believe this was a trick of SLC. I have had no paperwork since. Then earlier this year I had a letter from Erudio saying "Thank you for confirming your new address", which I hadn't, "You need do nothing now". So I didn't. I had no idea who they were and took to searching online. Today I get a letter saying my student loan has matured and I owe £17641.12 I have never worked since graduating, bar a few months before mum got ill. My student loan was the old style loan and I believe I had to earn over £17,000 per year before I had to start paying it off. Even my job didn't pay that amount. OH going doolally that we will end up with bailiffs coming to repossess all our stuff. I am pretty scared. I never gave them this address because I had never heard of them before. I need advice as to where I go from here. I genuinely, legally, shouldn't be required to pay a penny - that was the term of the loan. I also had DLA for life still going at this point and SLC had copies of this. I am 46 now. Mum passed away this January, so I really could do without the jokers at Arrow doing this. Thanking you in advance.

Just when I thought I am getting everything in order here comes Lowells with a Pre-legal assessment letter. How funny they are sending a letter for an account that was settled. It was an old account that I had with BT which is also SB'd as last payment was made in 2010 (disputed termination fees which was settled). I sent them a letter to say that I do not owe them or BT any money and they are trying obtain money by fraud.

got home from work and found a letter from Cabot advising they confirmed i live at my address and are chasing a debt which is probably 7-8 years old. this debt has never appeared on my credit report in 2.5 years ive never acknowleged the debt or attempted to pay this off. do i ignore this letter or take action? Thanks

Hi All, Came home from work today to find a letter packed with 6 monthly statements of account going back to 05/03/2010 this was for a welcome debt that I stopped paying sometime in 2007 or possibly earlier. I have been chased by robbers way about this debt I have ignored them because I know the debt is statute barred. I wonder why they have sent this lot (the letter states un CCA 74 they should have been sending these every six months but failed to do so). The other point it that the first statement is from 05/03/2010 showing no transactions on the account which in my eyes means they have just admitted that the debt is statute barred (and indeed all the statements up to september 16 show no transactions). I never got chased by welcome when I stopped paying them (due to extended period in hospital and out of work for 8 months) funnily enough I only started hearing from robbers way about 6 months ago random phone calls and the odd letter. Anyone else had this?

Just wondering if anyone has any advice for me on dealing with this issue. I have always had my student loan on deferment, as I don't earn over the limit where you are obliged to make payments, however I've had a couple of problems in recent years with the deferment forms not reaching me (whether this is oversight on SLC's part or my crappy postman, I cannot judge (though I have in the past phoned SLC and asked for replacement forms to be sent out and not received those either). SLC, being the joys they are, won't backdate deferment, so in the past I've had to pay e.g. three month's worth of payments to cover the delay in getting my deferment application sent in and approved. The situation I am now in is that I never received the deferment application forms in 2007 and hence payments became due again (they don't have my bank details so can't just take payments from my account). I did call SLC at the time and request replacement application forms and never received those and with one thing and another (and very difficult family situation in the last year and more) I haven't gotten around to chasing them again over the deferment. Which means I defaulted on the monthly loan repayments and ended up getting threatograms from Mackenzie Hall demanding payment of the arrears. I contacted them and arranged to make a monthly payment (which I can't really afford!) and have been doing so since last summer - however due to difficult financial situations I have missed or was late with a couple of payments here and there which means they now say because I defaulted on the payment scheme agreed, if I miss or am late with even one payment now, I become liable to repay the entire amount (I think it's at about £800+ now). The other problem is that the arrears seem to be accruing at a rate higher than what I am paying each month (£117) so my overall debt is going up, not down! I didn't actually realise at first, when I spoke to them and agreed to make these payments, that the debt they are chasing me for was not a static amount of debt handed over to them by the SLC, but effectively the ongoing debt, which is increasing each month as another payment becomes due. I'm not sure what to do about this situation (being a muppet - and not having found these forums previously - I've dealt with these idiots on the phone and not in writing). I'm worried about the fact that this debt is continuing to increase but I'm also pretty sure that the SLC have told me that I can't apply for deferment again (which would at least stop payments becoming due each month and increasing the debt) whilst I still have arrears outstanding! Does anyone have any advice? Should I contact SLC re: the deferment? And should I write to Mackenzie Hall and try and sort something better re: the repayments etc?

Have been ignoring my 6 Payday loans and 4 other debts for several months now, the other companies don't appear to have put disproportionate amount of interest on to the debt but my Toothfairy loan has gone from the original amount of £300 up to £1438 since I took the loan out in late July and I get this email from them every 5 days: We are writing to give you formal notice that ToothFairy Finance Ltd - ToothFairy Pay Day Loan has legally assigned the rights of the above debt to Marshall Hoares Bailiffs. This means that Marshall Hoares Bailiffs Limited now legally own this debt. YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT We intend to pursue you fully for all outstanding sums (GBP 1438) including any fees we incur collec ting this debt. Payment in full must be received no later than 17:00 to avoid further door collection fees being added to your file. DO NOT IGNORE OR THIS WILL COST YOU MORE Debt GBP 1408 Missed Payment Fee 1 (day 29) GBP 10 Missed Payment Fee 2 (day 43) GBP 10 Missed Payment Fee 3 (day 57) GBP 10 Repayments todate GBP 0 Total GBP 1438 TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 4 days then your account will be fast-tracked and considered for the following: Consequences of inaction: 1. Court Judgement legal action will be automatically started in the County Court for recovery of the full amount outstanding. Any such proceedings will include additional claims for legal costs and interest which will increase the amount you will be required to pay. 2. Warrant of execution will be app lied for to enable us to seize goods at your addresses and or an attachment of your earnings. 3. Register of Judgements any judgement will be entered in a public register, the Register of Judgements, Orders and Fines Credit Reference Agencies, who will supply them to credit grantors and others seeking information on you financial reputation. This will make it very difficult for you to get credit. 4. Credit reference ToothFairy Finance Ltd have already advised the Credit Reference Agencies of your DEFAULT. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as “Default Satisfied”. To AVOID A HOME VISIT or further action you should PAY IMMEDIATELY 1. online using a card by visiting: www.marshallhoares.com OR 2. at bank either over the counter at the bank or by electronic transfer to: Barclays Ba nk Account Number: 93462382 Sort Code: 20-50-94 This debt will not go away and should not be ignored You can contact us on 08433811111 to discuss your outstandig debt. Yours Faithfully Anti - Fraud Marshall Hoares Bailiffs Telephone: 0843 381 1111 The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matter of this email. The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in error, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statem ents or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing. Marshall Hoares Bailiffs Limited. Registered Company No.: 6871092 Consumer Credit License: 631168 We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software. How should I even begin to deal with this lot as from looking in this section of the forum they don't look very easy to deal with

Hi all Got a letter yesterday from Crapbot stating they had traced me to my current address in about 1996 Barclay's gave me a 5k loan they defaulted me in 1998 Cabot started chasing back in 2000 I was younger back then and didn't know my rights I paid them till 2002 then told them to do One in no uncertain terms spin forward 14 years they are trying to state I owe them 5300 I am fully aware this debt is well and truly statute barred is there any point in inviting letter tennis with these morons by sending them a CCA letter which probably no longer exists? Funnily enough I bank with Barclay's have done for the last five years without any problems. I personally think Crapbot must be losing the plot chasing debt this old what do you guys think?

Hi First post here. I have an old debt with Egg from around 2000 for roughly £2900. I was on a CAB plan paying £1 token payment for a while at the time but stopped paying , I never heard anything for years and now Capquest own the debt . I think I might remember paying them £10 a month 3-4 years ago for a while but due to financial hardship stopped paying. Though I cant be certain on this as I cant seem to find any details at the moment. They have recently sent me letters again and have refered it to Drydens Fairfax who have given me to the 30th Nov to offer a payment proposal otherwise court action. Which means I`ll have to send them a ltter either today or tomorrow .What should I do , offer £5 a month or something or play hardball. I don't really want a CCJ as I already have one from Drydens at £10 a month for another card debt. I wish I had know of the Statute Barred act before I may(possibly) have paid Capquest 3-4 years ago as it was probably unenforceable back then. thanks Tired and Weary

Hi guys. Simply put. Parking fine - £82 Forgot to pay it. Went to a Debt Collector, who added their £75 on top. As soon as I got the letter and remembered the debt, I paid Stockport Council via their website The £82. I have an email proving so. This was October 3rd Just had a letter placed through the door tonight for.... The original debt £82 Compliance fee £75 1st visit £235 Total: £392. Am I missing something here? Clearly a lack of comms between the council and the bailiff. According to the law, do I have to pay the bailiffs' fees for a debt I paid 2 months ago? Thank you so much in advance

Hi All, A friend of ours is in a huge amount of debt from her marriage, where her husband built up this debt, cheated on her and was also very abusive. Our friend had no choice but to go into a refuge with their 2yr old son. Whilst in the refuge, her husband didn't give her dog the medication that it needed and it became ill. the husband took the dog to the vets in the morning, but the vet put the dog to sleep in the afternoon. The dog belonged solely to our friend, not the husband. The vet did not call our friend on her mobile phone to speak with, as the dog's owner), they were happy to speak with her estranged husband. The vets have sent our friend the bill and asked her to solely pay it as the sole vet account holder and dog owner. She wants to know if they can do that? Someone takes the dog in ( who the vet knows) and destroy it without t=contacting the owner and also without checking that the vet account holder is happy to accept the charge for this treatment? many thanks in advance E5D

Hello, Please can somebody help me. I am new to this forum and feeling rather desperate and anxious. I have received a 2nd (and final) debt recovery letter from Eos Solutions who are collecting a debt for EDF Energy for a supply address that I have never ever lived at. The supply dates for the supply address are from May 2014- May 2016. My address that I've lived in for over 10 years is very similar to the debt/ supply address except I live in a street, the debt supply address was in a block of flats. I called Edf Energy last week to explain the situation and also that the supply adress for which they are owed the debt from no longer exists. The block of flats went into demolition last summer, so it baffles me who they supplied energy to after the summer as there was no flat in existance. They seem very reluctant to help me; 1. I don't have a customer reference number to quote them (I've never been a customer of them), 2. The only way they can help me is if I give them my name and other details which I was not willing to do so. They have the necaessary information to find out who lived at their supply address and pass on the correct details to Eos Solutions but it seems that they don't care as long as they get their money back. So in short, I'm being chased for money for a supply address that I've never lived in nor ever been supplied energy by Edf. How do I tell Eos Solutions that the addressee and address do not match the supply address and that they need to stop hassling me for money? I do not owe anyone any money, never even owned a credit card in my life . Any help would be gratefully appreciated. I'm really scared that they will now come knocking on my door demanding money or removing things from my house. Should I call them or is it better to write to them? Thank you

Hi Guys, I'm new to cag, so I hope what I'm putting is ok. I have read most threads if not all on here about similar cases but I wanted to start my own to get some advice that is specific as there is so many different things being said. Are Complete Credit Solutions Pty registered with AU FOS or Asic or should they be to carry out collections? Thanks for any answers in advance.

Hi Been working now since mid 2013 and still with the same company enjoying work and making good money Back in 2013 i came out of work and got greedy with money went down the stupid route of borrowing money from Wage day advance i borrowed £130 in total and with being out of work stupidly didnt pay it back after forgeting about the debt and settling things like overdrafts and other stupid little things i finally got back on my feet slowly improved my credit and things was going well. The other month got a letter from this WDA requesting i pay back £290 i emailed them asking why has it taken them over 3 years to send me a letter requesting this money they didnt explain why and keep demanding £290 ive told them not paying a penny until i get a detailed breakdown of charges there version of a detailed breakdown is Original Loan: 130 Interest £130 Missed Payment Fee: £30 Thats all they keep sending me i ignorned them until they sent me what i asked for last week moorcrap have sent their demands on behalf of WDA with their own little charge on top for the convenience Not responded to these still telling WDA i want a detailed breakdown and why has it taken them 3 years to chase this little debt this is more than double what i borrowed HARSH LESSON LEARNED WILL NOT BE BORROWING MONEY OFF THESE PEOPLE AGAIN. Thanks any advice is welcomed

Hi folks I would like an opinion on something I'm really not happy about... My daughter and her boyfriend were living in a flat (basically the lower half of a semi-detached split into two). The boyfriend was living in it originally and my daughter moved in, so all things relating to the let and the landlord and going through the BF. Towards the end of April the toilet blocked. The BF informed the landlord who told him to try and unblock it himself. He tried with no success. This plus the level of mould in the place finally led to them moving out of the property on 1st July. The toilet was not useable during this time. They gave notice that they were moving out but only a few days before they did. The landlord told the BF that they had to stay in the property until 27th July. The landlord is now after: £425 - March's rent (which they admit they owe) £425 - for July (technically the notice month) He's 'rounded' that up to £900 plus he now says he wants £200 interest for late payment He has £600 bond of the BF's. Things that I consider make the property uninhabitable/dangerous: Toilet not working for approx. 2 1/2 months - it seems that an incorrect waste pipe was attached to the toilet - rather than being ceramic it was the plastic 'flexi-tube'-type Awful level of mould, which the landlord is now blaming the BF for The gas mains pipes in the property were plastic Could someone give me their opinions on this as the landlord is now threatening court action (not that the threat bothers me at all, I'm a veteran!) Thanks

I have been chased for a number of years by Lowell for a debt. They go through phases of really chasing, then I don't hear anything for a while. In May of this year, the debt became statute barred. It has now disappeared from my credit file and my credit rating has gone to good again. However.... Lowell have REALLY started chasing the last few weeks. I have had letters galore, I have had about 5 phone calls a day and a couple of texts, and now they have started sending letters, addressed to me, to my parents house. My question is what action should I take. I know the debt is SB, but I'm concerned by their sudden chasing. Do I need to worry? Should I ignore it all, or should I write to them? I'm concerned as to why they are sending the letters to my parents address rather than mine, are they trying to get a CCJ by deliberately sending to the incorrect address? Is writing to them to tell them a debt is Statute Barred not an admission of ownership? Thanks everyone!

Hello all, I'm having some problems and I hope someone can help. Here are some more details. Letter from Lowell when I tried to dispute the debt. **************************************************************************************************** Current Balance: £534.56 This account was opened on the 6th February 2010 and the mobile number on the account was ‘xxx xxx xxx’. The last payment made to Three Mobile was on the 2nd Febuary 2012 for the amount of £65.78. This acount then became defaulted on the 11th July 2012. As payments have previously been made to this account, this is considered acknowledgement for this debt. Furthermore, the email address associated with this account is also the email address you are currently emailing us from. As you can appreciate, with the information that we hold, we do believe this to be your account. Please can you confirm how you would like to proceed with this account? If you find that you are currently facing financial difficulty and would like to seek free debt advice about this, then you can contact one of the below organisations: • StepChange Debt Charity (formerly CCCS): For debt advice throughout the UK, phone 0800 138 1111 or visit http://www.stepchange.org • National Debtline: If you live in England, Wales or Scotland, phone 0808 808 4000 or visit http://www.nationaldebtline.co.uk for debt advice and information. **************************************************************************************************** As I had some financial issues I have decided to terminate this contract as I was with them for about 2 years. I wrote to 3 back in 2012 (around Jan or Feb) explaining that I won't carry on any further contracts as I'm going to cheaper mobile solutions etc. I never got reply or even a phone call until recently I got the letter from Lowell demanding payment of over £500. I looked into my credit file and they put a default as: Account Opened 6 February 20106 February 2010 Default Date 11 July 2012 Default Balance £176 So I guess regardless my letter this contract was still running? For obvious reason I canceled DD with them as well. Any help would be appreciated. Thank you, l

Hello First time here and hoping you can help. Around 2003 having been made redundant, I had a debt for an Egg credit card for around £3.5k. I barely recall the details as it was so long ago but vaguely remember it being passed to a solicitor as started getting letters from them. I was not aware of any CCJ being issued at the time but don't use credit since I was made redundant so if it went on my credit file it must have gone off again. In 2006 I got a letter from Land Registry stating that a charge had been made on my property for the amount of just over £4k, the charge was to Egg as far as I can remember, s o I assume a CCJ must have been obtained to take this action? I understood that this meant that if I ever sold my house, I would need to pay this off to Lowells/Cabot as well. I have a very small mortgage of only £100 per month and manage this, the Egg debt was entered as a second charge and as I had no income or means of paying it the Egg debt at the time, I let this charge happen. I have never sold the house so the charge has just lain dormant for all of that time and have never heard a single thing from Egg or any debt collection company in all of that time. Out of the blue, I have today received a letter from Mortimer Clarke solicitors stating that they are enforcing the CCJ of £4,465 and want payment, no mention of how they are connected to Egg but they quote a CCJ number. Is my home at risk here? I'm upset that I have been very careful not to get any debt secured on my home to make sure that it is not at risk as I cannot afford to with having children, yet it now seems that it is at risk or can they not do this? Your help would be much appreciated.

Hello all, RE: http://www.consumeractiongroup.co.uk/forum/showthread.php?459551-DCBL-and-me-now-a-new-letter&p=4908261#post4908261 I have just received my 'Legal Recovery Action' letter from DCBL, although interestingly I've had no communication in regard to which parking ticket or company the charge refers to, I can only assume its in relation to an Excel parking ticket from many years ago, anyway following your advice I have ignored all communication. As I can't see any further posts since CitizenB uploaded the last letter titled 'Legal Recovery Action' I presume DCBL have got bored of sending misleading letters regarding the case?