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  1. Hello everyone I desperately need some advice regarding a problem I have arising more from misplaced trust and naivety than financial mismanagement. Last week I received two letters from a firm called Optima Legal telling me I had an outstanding balance of £6572.62 on one account and £3905.61 on another. Furthermore, CCJ’s against me have been obtained. They say they have been trying without success to contact me and have now given me 14 days to complete an income and expenditure account and make an offer of payment or a court order to attend for interview under oat
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