Lovemoney UE Diary

[Lovemoney]

Re: Lovemoney UE Diary

SH & MrsD

Really appreciated both of your replys....

UPDATE...
11/2/2013 BALANCE £3381.73
Letter from Allied International Credit (AIC) received today (16/2/13). The a/c noted above has been assigned to us from our Client, TESCO BANK with regards to the non payment of the outstanding balance. We are unaware of any reason for the non payment & we encourage you to contact our office immediately to resolve the outstanding matter in a timely manner. If you have already made payment to this a/c pls contact us with the payment details. Alternatively, if you are experiencing financial difficulaty pls call us as we are happy to discuss yr situation & how we can help resolve.

Wil get this Our Templates | Unenforceability Templates | Account Sold whilst in Dispute ready in the post tomorrow.

This represents a significant achievement for the AAD process. The template letters have all been used at the appropriate time, a threat of court from an extremely vile solicitor (Bryan “Brain Farter” Carter) was seen off with a bespoke letter using Paul's outline, and now the thugs have given up.

You've still got to deal with Crappy One, who are just like a broken record in the way that they insist that lies are truths, but take heart from the fact that this achievement greatly increases your chances of successfully negotiating this situation.SH

PS Agree with Mrs D - ignore for now.

Thanks AAD & Paul's bespoke letter, especially SH you advised. I Will take you both suggestion and ignore for now and see what they do next. Keep my fingers crossed.

[Lovemoney]

Re: Lovemoney UE Diary

[ATTACH]5112[/ATTACH] (refer #310 & #392).
Allied International using various numbers to call my mobile they leave voice messages quite often & ask me call regarding urgent business quote ref...
Accidently answer once saying she not available & put the phone down. 21/8/12 they call again. I think bad time I send them Our Templates | Harassment & Intimidation Templates | Harassment by Telephone(22/8/2012 sent refer #397At last I've found this my Equifax (NOT IN EXPERIAN) printed credit report...
HISTORY
STARTED: 3/8/2004
CURRENT BALANCE: £1909
DEFAULT BALANCE: £1960.00 (16/06/2006)
DATE UPDATED: 04/03/2012
PAYMEMT HISTORY: 05/2006=1, 06/2006=D
But can't remember when I make the last payment.
21/8/2012 BALANCE £1908.56 (#413)
Lettter from AIC received today(1/9/12), we have been unable to come to an acceptable arrangement with you regarding that our Client initiate further action. This is your last chance to work together with us. It is in your best interest to come to a mutually acceptable agreement. Therefore pls telephone our office to discuss the matter further. Alternatively you can complete the enclosed financial statement and return within 7 days(letter dated 21/8 received today 1/9) of receipt of this letter together with an offer of payment. Suitable payment methods are available on the reverse of this letter. (refer#414 see what they send next).
22/8/2012 (#558)
Received letter (dated 19/12/12) from Barclaycard. Yr Barclaycard a/c has now been passed to Wescot to manage the collection of the balance outstanding on yr a/c. You should contact Wescot as a matter of urgency on XXXXXXXXXX. Pls contact Wescot, who will discuss with you proposals for repayment of the balance outstanding on yr a/c.(refer #559 ignore for now, and wait for Wescot to write to you first).
29/1/2013
Letter from Wescot received today (31/1/13). Wescot is a specialist DEBT COLLECTION organisation. We have been instructed by our client to collect the outstanding balance on their behalf.
You should read both sides of this notice carefully, follow the instructions & reply IMMEDIATELY. If you have any queries or any of the information supplied is incorrect, pls contact us on XXXXXXXXX.
TO AVOID WESCOT TAKING FURTHER ACTION, YOU MUST:
1. PAY THE DEBT IN FULL TO: XXXXXXX OR 2. CONTACT US ON: XXXXXXXXXX.
PLS CONTACT US ASAP AS FAILURE TO DO SO WILL RESULT IN FURTHER RECOVERY ACTION.
If you have any reason to complain about the way Wescot has handled this matter, we can provide you with written details of our complaints procedure on request.
4/2/2013
Our Templates | Unenforceability Templates | Account Sold whilst in Dispute & CCA request sent by recorded. (refer #637 & #638).

UPDATE...
15/2/2013
Letter from Wescot received today (20/2/13). We refer to yr recent letter requesting a copy of the credit agreement for the above a/c, pursuant to the CCA. We are not the creditor for this a/c but are instructed on behalf of the above client. In the circumstnances, we are returning yr cheque which was made payable to Wescot as this needs to be made payable to Barclaycard. You can either send yr request direct to our client or resend it to us & we will then forward it to them. In the meantime, you will need to make arrangements to pay the a/c. We shall place the a/c on hold for 28 days to enable you to agree a repayment arrangement.

Please advise what should I do.....

[SXGuy]

Re: Lovemoney UE Diary

No reason why they couldnt cash the PO and forward the request, however they wont, and we can argue it as long as we like it wont change.

So if it was me, id get the PO refunded and send another addressed to barclaycard.

Better to know where you stand than wonder.

[ScabHunter]

Re: Lovemoney UE Diary

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UPDATE...
15/2/2013
Letter from Wescot received today (20/2/13). We refer to yr recent letter requesting a copy of the credit agreement for the above a/c, pursuant to the CCA. We are not the creditor for this a/c but are instructed on behalf of the above client. In the circumstnances, we are returning yr cheque which was made payable to Wescot as this needs to be made payable to Barclaycard. You can either send yr request direct to our client or resend it to us & we will then forward it to them. In the meantime, you will need to make arrangements to pay the a/c. We shall place the a/c on hold for 28 days to enable you to agree a repayment arrangement.

Please advise what should I do.....

Once again this thread leaves me in a state of utter confusion. What on Earth is going on here? According to the last line of the quoted section, a CCA request was sent at the same time as an Account Sold in Dispute letter. That can simply never happen, because the Account Sold in Dispute letter refers to a previously made CCA request!

God alone knows who or what is responsible for this, but if the facts are as quoted in that box, then it is probably better to start again from the beginning.

Firstly, some important questions -

1) When was the last time you made a payment or written acknowledgment of the alleged debt?
2) How many CCA requests have been sent, to whom were they sent, and when were they sent?

If we can ascertain this, there might still be the possibility of getting this case back on track.

SH

PS As for Wasteclot's idiotic excuse for a letter, it is simply wrong. It needs challenging, but the right way to do this will depend on the answers to the above questions. As for the timing - to get to SB you need to survive 72 months. If they give you one for free, take it. Reply at the end of the 28 days.

[Lovemoney]

Re: Need Advice

TESCO (CREDIT CARD)
STARTED: 17/6/2005
CREDIT LIMIT: £1750
CURRENT BALANCE: £1703
DEFAULT BALANCE: £1771.00 (10/07/2006)
HISTORY

20/2/2012
cca request sent
26/3/2012
received cca request returned because the letter unsigned and require signature then can proceed(letter stamp received 7/3/12). Payment arrangement plan for review request proposals for increasing the mnthly repayments. CCA request resent.
4/5/2012
CCA received emailed to Niddy. Niddy says THANKS will be sending MPT letter.
4/5/2012
MPT letter sent.
30/1/2013 BALANCE: £1700.16
Letter from Tesco Bank received today (1/2/13). You must pay yr credit card balance now. You have been issued with a Termination Notice on yr Tesco Bank credit card & yr a/c has been passed to our Recoveries team. To avoid any further action, pls make a payment now.
How to pay
Debit Card - call us on XXXXXXXXXXX
Cheque - send the cheque to Credit Card Recoveries.....
Need help?
If you cannot make this payment right away, you must call us immediately on XXXXXXX.
4/2/2013
Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) sent by recorded.

UPDATE...
18/2/2013
Letter from Tesco Bank received today (21/2/13). You still haven't paid yr credit card balance, But it's not too late. We recently wrote to you, remninding you to repay the amount due on yr a/c. However, you still haven't made a payment or agreed a repayment plan. What hapens now? As you have not made any payments, we will consinder taking further action. This could mean passing yr a/c to an external Debt Collection Agency, who will contact you & may visit yr home to collect the debt in person. Depending onb the amnount you owe, it could also include legal action against you to get the money back. However, we would much rather agree a more satisfactory arrangement with you. Pls call us. What you need to do It's vital that you take immediated action to pay the amount owed to avoid further action. You can make yr payment by: XXXXXXXXXXXXXXXX. We prefer not to take this action, but if we do not hear from you we have no alternative. Pls contact us immediately on xxxxxxx to discuss repayment of yr debt.

Any advice will be appreciated.

[Deepie]

Re: Need Advice

UPDATE...
18/2/2013
Letter from Tesco Bank received today (21/2/13). You still haven't paid yr credit card balance, But it's not too late. We recently wrote to you, remninding you to repay the amount due on yr a/c. However, you still haven't made a payment or agreed a repayment plan. What hapens now? As you have not made any payments, we will consinder taking further action. This could mean passing yr a/c to an external Debt Collection Agency, who will contact you & may visit yr home to collect the debt in person. Depending onb the amnount you owe, it could also include legal action against you to get the money back. However, we would much rather agree a more satisfactory arrangement with you. Pls call us. What you need to do It's vital that you take immediated action to pay the amount owed to avoid further action. You can make yr payment by: XXXXXXXXXXXXXXXX. We prefer not to take this action, but if we do not hear from you we have no alternative. Pls contact us immediately on xxxxxxx to discuss repayment of yr debt.

Any advice will be appreciated.

If it were me I would see what they do next.......

[Lovemoney]

Re: Need Advice

If it were me I would see what they do next.......

Hi
Will do... .

[Lovemoney]

Re: Lovemoney UE Diary

SXGuy & SH
Thanks for the replies...

[ATTACH]5112[/ATTACH] (refer #310 & #392).
Allied International using various numbers to call my mobile they leave voice messages quite often & ask me call regarding urgent business quote ref...
Accidently answer once saying she not available & put the phone down. 21/8/12 they call again. I think bad time I send them Our Templates | Harassment & Intimidation Templates | Harassment by Telephone(22/8/2012 sent refer #397At last I've found this my Equifax (NOT IN EXPERIAN) printed credit report...
HISTORY
STARTED: 3/8/2004
CURRENT BALANCE: £1909
DEFAULT BALANCE: £1960.00 (16/06/2006)
DATE UPDATED: 04/03/2012
PAYMEMT HISTORY: 05/2006=1, 06/2006=D
But can't remember when I make the last payment.
21/8/2012 BALANCE £1908.56 (#413)
Lettter from AIC received today(1/9/12), we have been unable to come to an acceptable arrangement with you regarding that our Client initiate further action. This is your last chance to work together with us. It is in your best interest to come to a mutually acceptable agreement. Therefore pls telephone our office to discuss the matter further. Alternatively you can complete the enclosed financial statement and return within 7 days(letter dated 21/8 received today 1/9) of receipt of this letter together with an offer of payment. Suitable payment methods are available on the reverse of this letter. (refer#414 see what they send next).
22/8/2012 (#558)
Received letter (dated 19/12/12) from Barclaycard. Yr Barclaycard a/c has now been passed to Wescot to manage the collection of the balance outstanding on yr a/c. You should contact Wescot as a matter of urgency on XXXXXXXXXX. Pls contact Wescot, who will discuss with you proposals for repayment of the balance outstanding on yr a/c.(refer #559 ignore for now, and wait for Wescot to write to you first).

29/1/2013
Letter from Wescot received today (31/1/13). Wescot is a specialist DEBT COLLECTION organisation. We have been instructed by our client to collect the outstanding balance on their behalf.
You should read both sides of this notice carefully, follow the instructions & reply IMMEDIATELY. If you have any queries or any of the information supplied is incorrect, pls contact us on XXXXXXXXX.
TO AVOID WESCOT TAKING FURTHER ACTION, YOU MUST:
1. PAY THE DEBT IN FULL TO: XXXXXXX OR 2. CONTACT US ON: XXXXXXXXXX.
PLS CONTACT US ASAP AS FAILURE TO DO SO WILL RESULT IN FURTHER RECOVERY ACTION.
If you have any reason to complain about the way Wescot has handled this matter, we can provide you with written details of our complaints procedure on request.

4/2/2013
Our Templates | Unenforceability Templates | Account Sold whilst in Dispute & CCA request sent by recorded. (refer #637 & #638)

15/2/2013
Letter from Wescot received today (20/2/13). We refer to yr recent letter requesting a copy of the credit agreement for the above a/c, pursuant to the CCA. We are not the creditor for this a/c but are instructed on behalf of the above client. In the circumstnances, we are returning yr cheque which was made payable to as this needs to be made payable to Barclaycard. You can either send yr request direct to our client or resend it to us & we will then forward it to them. In the meantime, you will need to make arrangements to pay the a/c. We shall place the a/c on hold for 28 days to enable you to agree a repayment arrangement.

some important questions -

1) When was the last time you made a payment or written acknowledgment of the alleged debt?
12/3/2012

2) How many CCA requests have been sent, to whom were they sent, and when were they sent?
9/9/09 - Capquest

PS As for Wasteclot's idiotic excuse for a letter, it is simply wrong. It needs challenging, but the right way to do this will depend on the answers to the above questions. As for the timing - to get to SB you need to survive 72 months. If they give you one for free, take it. Reply at the end of the 28 days.

EGG BANKING PLC- (CREDIT CARD)
Date commenced: 5/5/2000
ACCOUNT SOLD TO DCA (CAPQUEST)
HISTORY
17/8/07
received standind order set up details agreed £1 token payment stated the sum of £1 on 5/9/07 same day each month until 5/3/49 when a payment of 0.56 is made. 18/8/07 signed & returned, standing order already set up.
29/3/09
received a threat letter.
14/4/09
received more threat letter saying not heard from me in previos letter dated 28/3/09 need start the litigation process to resolve the matter
1/9/09
received standing order set up details agreed £1 token payment stated the sum of £1 on 5/9/09 same day each month until 27/11/17 when a payment of 0.00 is made. had signed and returned 2/9/07, standing order already set up.
9/9/09
sent cca request
19/9/09
received a reply put my a/c on hold for 28 days for obtains cca. finally received signed agreement (but no sure how to tell the right details ).
3/10/09
Letter from Capquest. Pls find enclosed copy document(s) as requested. If you are not currently repaying this a/c on an agreed arrangement, it is now imperative that you deal with this matter immediately by sending yr payment directly to xxxxxxx(with bank details). We have placed yr a/c on hold until 12/10/09, if we do not receive contact from you by this date, yr a/c will be passed to our Collection department for further action.Emailed Niddy
19/3/10
Letter from Capquest (Litigation Department) case handling supervisor. Yr case will be processed & passed to our solicitors on or around 1/4/10, a process that you can stop by tel xxxxxxx to discuss yr a/c, & reaching an amicable solution. I will not be demanding payment in full. I will be open to suggestions from you on how this a/c can be settled. If you contact us before 1/4/10, I can offer £1641.18 to clear this a/c. you can pay this over a six mnth period. I trust that you will recognise that my appointment is an indication of the imminent commencement of legal proceedings. I trust that you can take this opportunity to contact us & save yrself the possible expense of litigation & the problems that any litigation in which we were successful would possibly cause to yr credit file.
2/4/10
send in proposal, hardship difficulties & budget sheet.
12/4/10
received notice of doorstep recovery agents Scotcall Ltd from HL Legal Solicitors due to non payment.
15/4/10
send a complaint regarding their harassment by telephone & doorstep call (it's been set up £1 payment on 26th of each month).
24/4/10
received standing order set up details agreed £1 token payment stated the sum of £1 on 14/5/10 same day each month until 14/11/51 when a payment of 0.56 is made.
18/3/12
Emailed Niddy CCA .....Niddy Confirmed
we need to blag as that does look good but we'll pretend otherwise, if they get 'heavy' let us know asap.....
.....send them Missing PT (last £1 payment was on 12/3/12)26/3/12
Missing Prescribed Term sent.
4/4/12
received letter from CapQuest saying unable to comment on the dispute and at them time the a/c was passed to them were unaware of any existing query. Therefore we are "CLOSING THE ACCOUNT ON OUR SYSTEM". Than you for taking the time in trying to resolve this matter. # NO PAYMENT #

I've confirmed that the EGG & BARCLAYCARD are the same account, look like my last payment to Capquest was on 12/3/12. Barclaycard first contact me on 3/7/12.

[ScabHunter]

Re: Lovemoney UE Diary

Hi LM,

So, you are saying that a CCA request was sent to Crapquest on 9th September 2009? Was there not another one sent on 4th February 2013?

SH

[Lovemoney]

Re: Lovemoney UE Diary

SH

Didn't mean to cause confusion.

4/4/12 letter from Capquest said they can't comment on MPT I sent and closed the account.

Barclaycard wrote to me on 3/7/12 and I was not aware it was the same account as Egg. It was not until I looked harder and noticed that the last 4 account numbers were the same, but by then I'd already requested the CCA (4/2/12).

[ScabHunter]

Re: Lovemoney UE Diary

SH

Didn't mean to cause confusion.

4/4/12 letter from Capquest said they can't comment on MPT I sent and closed the account.

Barclaycard wrote to me on 3/7/12 and I was not aware it was the same account as Egg. It was not until I looked harder and noticed that the last 4 account numbers were the same, but by then I'd already requested the CCA (4/2/12).

Got it. Ah, well, nothing to worry about. Now we know that it is one and the same we can just stand behind the original request made on 9th September 2009.

So this is enforceable? Never mind for now, Wasteclot are absolutely useless so I would continue on a blagging course. I would wait 28 days, and then send an Account Sold Whilst In Dispute letter. I would use Crapquest where it says “Enter Original Creditor”, as they were the ones to which the request was sent. They are also off the case now, so have no interest in helping Wasteclot. Remember, this is a blag, so the goal is to make it as difficult as possible for Wasteclot to determine that this is enforceable.

SH

[Lovemoney]

Re: Lovemoney UE Diary

SH

Thanks...

Already sent Templates | Unenforceability Templates | Account Sold whilst in Dispute to Wasteclot on 4/2/2013. Should I send it again (wait 28 days), refer them to my previous letter or send something else.

[ScabHunter]

Re: Lovemoney UE Diary

SH

Thanks...

Already sent Templates | Unenforceability Templates | Account Sold whilst in Dispute to Wasteclot on 4/2/2013. Should I send it again (wait 28 days), refer them to my previous letter or send something else.

Aaarrrgh! That does make the situation slightly more difficult. As they've only picked up on your CCA letter and not that one, though, I don't see why you shouldn't send it again.

On reflection, I would still do what I said above. Wait for 28 days, or possibly just a bit less if weekends are going to affect posting times, and then send the letter with Crapquest in the slot where it says original creditor. Even though they were not the original creditor, they were the recipient of the CCA request.

Of course, this is a pure blag. Crappyquest did respond to the request, and in fact sent an enforceable agreement. But, we don't want the brainless wonders at Wasteclot to know that, do we?

SH

[Lovemoney]

Re: Lovemoney UE Diary

LLOYDS TSB (CREDIT CARD)
HUSBANDS
17/12/2007 BALANCE: £427.77
reminder in arrears £1 payment required agreed under the instalment plan.
22/1/2008
received threat letter from Credit Security Ltd(debt enforcement office) demand full payment immediately failure will result dc calling or ccj.
5/2/2008
received threat letter from Credit Security Ltd documents for legal action now being prepared blah blah...
30/8/2009
received letter from Robinson Way & Co for formal demand payment more threat.
9/9/2009
cca request sent.
16/9/2009
replied saying request for a copy of cca be directed to them (lloyds tsb) a/c has been placed on a temporary delay until receive cca by lloyds tsb.
25/11/2009
received letter saying in view of my recent query & comment, we have today removed your a/c from our files, & returned my case to lloyds tsb who will deal directly with me in the future. lloyds tsb has been made aware of the reason why a/c is being closed & returned.
8/7/2011
received letter from tsb & dlc have assigned all tittle and interest including the outstanding bal to Hillesden Securities Ltd. Under the term assigment, as defined Data Protection Act 1998. DLC has been appointed by Hillesden to manage my a/c and future payments and correspondence.
22/7/2011
received letter from dlc telephone to discuss for payment options(f&f settlement or monthly paments).
27/7/11
send in proposal, hardship difficulties & budget sheet.
8/8/11
received Notice of Debt Recovery from dlc.
6/9/11
received letter from Alplin(Solicitor) instructed by??? to recover the outstanding balance in full or reach agreement within 7days legal proceedings.
8/9/11
received bank details from dlc to set up standing order.
7/11/11 balance: £417.77
received Notice of Sums in Arrears.
6/1/12
received annual statement of a/c £415.77 from dlc.
26/3/12
cca request sent DLC (latest dca).
18/4/12
received reply (but letter dated 2/4/12) saying still awaiting from original lender (Lloyds) when these become available will be forwarded to me. If unable to forward original agreement will be able to supply a true copy which comply with section 77-79 of the Consumer Credit Act 1974 rulling in the case of McGuffick V RBS judgement dated 6/10/09 in relation to "what is considered enforcement", the judgement stated that the bringing of proceedings is not enforcement. It follows that demanding payment is step taken prior to the commencement of proceedings & therefore not considered enforcement. We will continue to report the account status to the CRA as this is also not considered as enforcement. Whilst may not be able to enforce the agreement until the documentation is provided, the monies remain outstanding and ther underlying obligation to repay remains intact. In view the above judgement a/c remain with collection department for collections activity to continue. will update on developments in 21 days if there are no developments beforehand. Refer #138 just keep a hold of that letter & wait & see what happens next
10/1/13
Received annual statement of a/c £403.77 from dlc.
1/2/13
Letter from DLC received today (6/2/13). ARREARS NOTIFICATION...you have not kept to the arrangement that we agreed for repaying yr debt, and are now in arrears of £403.77. Pls settle yr arrears without delay, to avoid possible legal action. If for any reason you are unable to make payment, or would like to re-negotiate the payment plan, pls telephone us to discuss the matter. We want to reassure you that we're fully aware of the financial difficulties that you may be facing during this difficult period. and have embraced a policy of fair & realistic treatment for all for our customer. Refer #641-#645.

UPDATE...

27/2/13
Letter from DLC received today (2/3/13). Further to our previous letter regarding the above a/c, I can confirm & advise the following:- * We are following up yr request for a copy of the original documentation with the original lender. When this becomes available we will forward a copy to you. Should you require anything further at this point pls contact me. I will update you on developments in 21 days if there are no developments beforehand.

filed......

[Lovemoney]

Re: Need Advice

TESCO (CREDIT CARD)
STARTED: 17/6/2005
CREDIT LIMIT: £1750
CURRENT BALANCE: £1703
DEFAULT BALANCE: £1771.00 (10/07/2006)
HISTORY
20/2/2012
cca request sent
26/3/2012
received cca request returned because the letter unsigned and require signature then can proceed(letter stamp received 7/3/12). Payment arrangement plan for review request proposals for increasing the mnthly repayments. CCA request resent.
4/5/2012
CCA received emailed to Niddy. Niddy says THANKS will be sending MPT letter.
4/5/2012
MPT letter sent.
30/1/2013 BALANCE: £1700.16
Letter from Tesco Bank received today (1/2/13). You must pay yr credit card balance now. You have been issued with a Termination Notice on yr Tesco Bank credit card & yr a/c has been passed to our Recoveries team. To avoid any further action, pls make a payment now.
How to pay
Debit Card - call us on XXXXXXXXXXX
Cheque - send the cheque to Credit Card Recoveries.....
Need help?
If you cannot make this payment right away, you must call us immediately on XXXXXXX.
4/2/2013
Our Templates | Unenforceability Templates | Final Response - Unenforceability (CCA Received) sent by recorded.
18/2/2013
Letter from Tesco Bank received today (21/2/13). You still haven't paid yr credit card balance, But it's not too late. We recently wrote to you, remninding you to repay the amount due on yr a/c. However, you still haven't made a payment or agreed a repayment plan. What hapens now? As you have not made any payments, we will consinder taking further action. This could mean passing yr a/c to an external Debt Collection Agency, who will contact you & may visit yr home to collect the debt in person. Depending onb the amnount you owe, it could also include legal action against you to get the money back. However, we would much rather agree a more satisfactory arrangement with you. Pls call us. What you need to do It's vital that you take immediated action to pay the amount owed to avoid further action. You can make yr payment by: XXXXXXXXXXXXXXXX. We prefer not to take this action, but if we do not hear from you we have no alternative. Pls contact us immediately on xxxxxxx to discuss repayment of yr debt. (refer #664 see what they do next)

UPDATE...
28/2/2013
Letter from Tesco Bank received today (4/3/13). We are considering legal action to recover your debt Despite writing to you several times, you have still not paid off yr credit card balance or made a repayment arrangement with us. We are now considering commencing court proceedings against you to recover this debt. What this could mean A County Court Judgment could be granted against you. This is likely to affect your ability to obtain credit in the future. You may also be liable for court costs. If we obtain a judgement & you still don't pay we may ask the court to enforce the debt against you. This could mean: *A legal document being served on yr employer which forces them to regularly take an amount of money from yr wage to pay yr outstanding debt to us (this depends on the number of hrs you work) *If you are a homeowner, we may ask the court for a charging order over yr home. If we have a charging order & yr home is sold (through repossession or for any other reason), we may look to any available sale proceeds to help pay the sums you owe to us. We would prefer come to an arrangement with you to settle this debt. Pls call ua immediately on XXXXXXXXX to discuss a repayment plan. Line are open XXXXXXXXX.

Any advice will be appreciated