Hi Guys i hope you can help point me in the right direction as to how i can proceed with this. 4/5 years i had finanncial issues which meant i defaulted on my debts. but i have been hounded ever since with debts sold on etc to lowell. they. From previous advice i have ignored the letters and when they called which is an awful lots of 100 + and 20 + letters they have passed this now to bryan carter solicitors. they sent a letter earlier stating if i didnt pay by 31st then it was going to court. now received this letter today (i have typed the content as i dont have a scanner.) Our client lowell financial account no. XXXXXXX balance £7304.60 Dear mr julesverne As you have failed to make payments on the above account we have now issued litigation proceeedings in the county court. you will receive the clain form in the next 48 hours direct from the court. the claim form will show the following items have been added to the debt principal balance £7304.60 interest £580.96 court fees £100.00 Solictor costs £190.00 outstanding balance to pay now £7304.60 you can telephone us on 0845 0349918 to discuss this matter. please note that the claim includes the additional items set out above which Lowell Financial are entitled to recover. A proportion of any payment made may be allocated to your principle balance with the remainder being allocated to fees, costs and interest (if applicable). the principle balance only will be reflected on your credit file with the credit reference agencies. if judgement is entered against youand remains unsatisfied it will remain on the judgement register for 6 years and you will have difficulty in obtaining further credit. end of letter. how should i proceed with this i want to fight them over this due to the way i have been harrased over the last few years. please any help would be most appreciated my wife is sick with worry over this and cannot sleep.