please do not post jpg picture images directly to a post
read upload and redact in jpg then convert using on of the listed websites there to convert to one multipage pdf only
that way only logged-in,registered and approved caggers are the only ones that can download and see them
else anyone can see them caggers or not.
but that's not a letter of claim and confirms its a spy car operation
With respect to Ellen above
This is what I would do.
Comply at all costs with your mortgage company, they are A priority debt and must be paid before you even think about credit cards.
Then I would ring a DMP , that is the free variety Payplan for instance.
Tell them you are struggling and ask for a date to make a income and outcome repayment plan they will do this over the phone. Ask the for a refference number.
Phone your creditors and tell them you have contacted a DMP the will then give you a months grace to create your report quote your ref. Tell your mortgage what you have done and ask them to arrange the amount they want, before the other debts are payed. Negotiate
Dont OVER COMMIT YOURSELF
Dont forget your mortgage is a priority debt and must be paid in full and on time. So make sure your I and e covers an amount not only pay ongoing, but repay any arrears.
This will give you breathing space.
Any problems can be sorted later, at your own pace.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!