No I'm not remotely offended

Everyone who is into their 'debt journey' learns a couple of important things:
1) Never speak to a creditor on the phone- always keep all communication in writing
2) The end goal is getting a debt to become statute barred - therefore time is your friend
3) YOU control the situation NOT the creditor
Your post didn't come across demanding, more that you'd forgotten 2 & 3 and were stressing about things and I don't want you to be stressed!
Now things with the FOS are coming to their predicted close, you have a loooong way to go now and need to preserve your energy!
There are only a rare handful of situations where you need to respond urgently:
- After recieving a formal 'Letter before Action' letter - where a creditor formally informs you that they WILL (not may), issue court proceedings
- Getting a threat of a Statutory Demand
- Receiving a Court Claim
Anything else, while it may require a response, can always wait, try to aim to allow roughly 14 days for a response to arrive at a creditors offices.
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