BW Legal court Threat-o-gram over old Aqua Card 'debt'

[dx100uk]

can you pop all those into a word doc please

and attach here via the UPLOAD

 

 

and include the BW legal threat-o-gram too.

 

 

old and new threads on same debt merged for history too.

[charliemonkeyface]

fingers crossed I have done this properly

[charliemonkeyface]

I'm searching for the original letter from December. I know I have it I'm just not sure where.

[SabreSheep]

Attachment unapproved

 

You missed the credit card number on the statements

[charliemonkeyface]

Sorry I missed that. I have redone them in this PDF

 

 

I am unable to find the original letter from December. It was a letter from bwlegal giving me 10 days to arrange a payment plan or they would start court proceedings. it was titled NOTICE OF CLAIM

There was no court papers of any kind included. I have never received anything from any courts only bwlegal.

[dx100uk]

no it didn't say start court proceedings

 

 

it said start proceedings

'what' proceedings that is is another letter

 

 

nothing to do with court

 

 

you got spoofed by a threat-o-gram.

 

 

and some silly time limits they have no legal right to even imply.

they are NOT BAILIFFS

 

 

dx

[charliemonkeyface]

The bottom 2 lines on the front page

 

"if we do not receive a response from you by 4pm on or before 29th June 2015 we will make the appropriate application to court without any further notice to you"

 

The original letter from December was a letter using the wording "we will" and not the usual "we may" and gave me until the 2nd of Jan to reply, this letter gives me until Monday. It did not go un-noticed by me the dates they choose for a response give me a very limited time.

 

Like most I'm very guilty of burying my head to avoid the stress and worry. I want to do the right thing but my personal situation does not allow me to enter into a realistic payment agreement.

 

What should I do ?

[dx100uk]

Thank you guys.

 

The letter says specifically it will proceed on the 2nd January.

 

I last payed towards these debts in 2010.

 

This debt has been sent back and forth from different agencies since 2010.

 

 

I have just ignored them as they have always used the wording May,

 

 

could, or possible. This is the first time they have actually said they will.

 

 

so funny how its now 23rd june and they didn't 'proceed' on 2nd jan......??

[charliemonkeyface]

I thought the same. After everything I've put my partner through I want to stay infront of this and did not want to assume they are bluffing.

[dx100uk]

thread tidied and uploads merged together

 

 

dx

[charliemonkeyface]

Thank you for advising me this far but What are my options.

 

If I ignore them and they take me to court what is the likely outcome. I have no income so I cannot pay what I don't have. I have a partner and 2 young children and I do not want this to have a direct impact on their lives.

 

That's why I thought the DRO was my only real option.

[charliemonkeyface]

so funny how its now 23rd june and they didn't 'proceed' on 2nd jan......??

 

I really appreciate you raking the time yo read through my posts and help me.

 

 

I have tried to find the answer elsewhere but I haven't been successful and you might know the answer.

 

I am unsure of what to do next.

 

 

If I chose to ignore them and call their bluff and they send me court papers for a claim would it then be to late to start the process of entering into a DRO.

[dx100uk]

lots of 'IF'S' there.

[charliemonkeyface]

lots of 'IF'S' there.

 

There are, sorry and thank you for the time you've already given me.

 

My main concern is I do not want this to affect my family. I've put them through enough and I've been working hard at repeating my past mistakes.

 

If I had a job and money to repay I would attempt to reach an agreement with them. I have no money to do this.

 

Do you know if it would be possible to enter into a debt relief order once they have issued me with a court claim. I have tried to find an answer to this myself but cannot find a clear answer anywhere.

[dx100uk]

you can enter any to anything you want with or without a claim being issued or not.

 

 

or even a tomlin/consent order if they do issue one .

 

 

this is effecting your family more by you keep poking their cage.

 

 

go get on with your ilfe

 

 

they are more important than these clowns