Please help, I have been ignoring the debt collectors letters for nearly a year now but now I have a letter before action (which I was under the impression from other sites would not happen) and to put it bluntly am slightly pooing myself!      1 Date of the infringement - 26/11/2018   2 Date on the NTK [this must have been received within 14 days from the 'offence' date] - It is a notice to owner, not keeper but is dated 24/12/2018   I have just noticed this -