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Hi everyone,
I had a few emails from BW legal earlier last year advising they were chasing a debt to Talk Talk and offering a discount if I paid in full etc. I disregarded these emails.
In regards to the debt it is for just over £200 and I might well owe it. I had an account with Talk Talk back in 2015/16 but I can't remember all the ins and outs of how the debt might have incurred.
They have now emailed me to advise they will be making a claim with the county court. To be honest this is an expense that I could do without but on the other hand I don't want the CCJ. I'm aware that if it goes to court and I lose I'll have a month in which to pay it and avoid the CCJ on my credit report. I reckon the debt would be just shy of being old enough to be considered statute barred which is probably why they are now threatening legal action.
I would like some help in the form of advice or templates to send to them to make it as difficult as possible for them or to be able to stop them from taking it to court all together. Thanks in advance for any help, it is much appreciated. Here is their correspondence:
I had a few emails from BW legal earlier last year advising they were chasing a debt to Talk Talk and offering a discount if I paid in full etc. I disregarded these emails.
In regards to the debt it is for just over £200 and I might well owe it. I had an account with Talk Talk back in 2015/16 but I can't remember all the ins and outs of how the debt might have incurred.
They have now emailed me to advise they will be making a claim with the county court. To be honest this is an expense that I could do without but on the other hand I don't want the CCJ. I'm aware that if it goes to court and I lose I'll have a month in which to pay it and avoid the CCJ on my credit report. I reckon the debt would be just shy of being old enough to be considered statute barred which is probably why they are now threatening legal action.
I would like some help in the form of advice or templates to send to them to make it as difficult as possible for them or to be able to stop them from taking it to court all together. Thanks in advance for any help, it is much appreciated. Here is their correspondence:
| LETTER OF CLAIM |
| Dear XXXX, |
| Our Client: JC International Acquisition, LLC |
| Account Number: XXXX |
| Our Reference Number: XXXX |
| Balance Due: £XXXX |
| We have been instructed by JC International Acquisition, LLC to commence legal action in the form of issuing a Claim against you in the County Court in respect of the above debt. If payment or a response is not received before 22 March 2021, we are instructed to issue a Claim against you in the County Court without further notice. If you dispute this debt, please tell us why so that we can help resolve this matter. |
| What We Have Sent You |
| You will shortly receive the following documents in the post: |
|
| Estimated Claim |
| Such legal action may result in you being liable for Court fees, solicitors' costs and statutory interest which are estimated below. |
| Principal Debt | £XXXX | ||
| Estimated Interest | £0.00 | ||
| Estimated Court Fees | £25.00 | ||
| Estimated Solicitors' Costs | £50.00 | ||
| Estimated Total | £XXXX |
| County Court Judgment ("CCJ") |
| If payment or a response is not received following a County Court Claim, a County Court Judgment ("CCJ") may be entered against you. If a CCJ were to be entered, it would be recorded on your credit file for 6 years unless you pay the Judgment debt in full within a month of the CCJ being entered. A CCJ on your credit file may affect your ability to obtain future credit. |
| It's Not Too Late |
| It's not too late to get in touch. We would like to discuss the options available in order to prevent a County Court Claim from being issued to you, thereby avoiding additional legal costs. This may happen if we have not agreed a suitable repayment plan with you by 22 March 2021. |
| The balance can be repaid by way of an instalment plan, at an amount that is affordable and sustainable for you. All you need to do is complete your income and expenditure details and the plan can be set up straight away. Please call us on xxx and speak with a member of the team. |
| Manage Your Account Online |
| You may find it easier to manage your account online by visiting our website xxxx and clicking on the customer login link to set up your account online. Our customer portal provides you with the functionality to speak with us by webchat, complete your income and expenditure details, make a payment or set up an affordable payment arrangement at your convenience. You are also able to message our team securely through the portal if you have any questions. |
| If you believe that you have a valid reason for non-payment and wish to query this, please complete the reply form which is enclosed with the pack we have sent in the post, or email us on xxx To comply with data protection regulations, please remember to include your full name, address, date of birth and your BW Legal reference number of XXXX in all correspondence. |
| We look forward to hearing from you. |
| Yours sincerely, |
| BW Legal |
| bw legal |
