in October 2016 I've started a 2 years contract with Vodafone but after half a year I couldn't keep up with the payment and didn't pay since then. I do plan on getting rid of the debt once I'm fully back on track, I can't afford it at the minute and hoped I still have some time before any legal action can be taken. Recently I started receiving letters from Lowell Financial Ltd, headlining with "Pre-Legal Assesment". Do I have to be worried about any legal action? My Vodafone contract ends in Oct 2018 in theory. Are they able to file a CCJ even if they bought a debt of a contract that is not even brought to an end? I have read many other posts where people come with contracts that are 5-6-7 years old, and I'm here wondering how worried should I be about this letter. See the letter below. Thank you in advance.

Hi , i am IT student , i did enroll with one of private institute for IT certifications . i did enroll for year course on agreement but they said it may take longer if they dont have sufficient student batch. NOW they took two year but still half of lectures not scheduled . i keep on contacting them they always reply to wait for admin to contact back . few days back called them they says ur course due date passed so they reviewing case why course not scheduled . But i am tired to contacting them . i paid them £6000 but not got only half course lectures scheduled . i have all contract paper and fees proof of payment . Please can someone guild me how can i get this sort out ? thank you for your valuable time.

Hi All, Really really need your help on this one as i am in an IVA with Payplan which started in December 2012. My total loans came up to £8,351 and Payplan calculated that i can pay 64.48p in the pound which worked out to be £5,361.84. With my income and expenditure, my payments had been set at £116.81 which was perfect, however i had a massive increase in pay due to a promotion and Payplan increase my payment to £231.89 a month. I have been in contact with Payplan to find out what my end date will be and they said that my plan is for 5 years, however i worked out that i would be paying them more than my original debt including interest, 3 out of the 5 creditors where interest free loans! They even said that as soon as i have paid Payplan the amount required they will end my IVA, however i have tried to call and email them and not getting any joy at all, when is this date? I am aware that fees are in place, however they are not being transparent and i have said i looked at the terms and conditions and agreement i have signed and have already been charged these fees (which was about £1.5K . . .makes me think why did i enter into an IVA). I did not know that i was heading for a promotion and wished i did not enter an IVA and dealt with my problems however the response i am getting from Payplan is lacking and need help!! Has anyone had this experience before? what was your solution in the end?? thanks all sean

Hi ALL Just a quick one, i'm on a zero hour contract, hours set one week in advance, on the day of your actual shift if it is quiet, the mgrs are now forcing people to finish early, are we not contracted to that shift? are they allowed to force you home early, and the flip side in theory they can make you stay late as well, essentially they can do anything they want to do....is this right? any advice appreciated thanks guys! x