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> Hello All
>
> Yesterday Tuesday 1st April I received (by hand) a "statutory demand" for a "CAPITAL" credit card debt of £13,909.60 stating a default date of 22nd June 2009.
>
> I am not going to say that it is not my debt but it looks to me from reading your forum that Lowell and bwlegal may be using this ploy to get people like me to contact them?
>
> So.....
>
> Can you tell me what to look for to confirm that the paperwork I have been given is the "real deal" or are these people trying to scare me.
>
> In your experience is this an invitation for me to make a percentage offer to clear the debt?
>
> But first....
> Should I get them to send me a copy of the CCA and evidence that they have a legal right to collect this debt?
> I have already, in immediate response to the letter, written and posted a "WITHOUT PREJUDICE" letter to bwlegal making no acknowledgement of this debt but making an offer of 20% (£2781.92) to, as stated in the demand.....compound the debt!
> Am I going in the right direction.
> I was intending to call the number on the letter today, but I suspect that the person on the other end of the telephone will be a very experienced negotiator..... so I am somewhat wary of this action.
>
> Yesterday Tuesday 1st April I received (by hand) a "statutory demand" for a "CAPITAL" credit card debt of £13,909.60 stating a default date of 22nd June 2009.
>
> I am not going to say that it is not my debt but it looks to me from reading your forum that Lowell and bwlegal may be using this ploy to get people like me to contact them?
>
> So.....
>
> Can you tell me what to look for to confirm that the paperwork I have been given is the "real deal" or are these people trying to scare me.
>
> In your experience is this an invitation for me to make a percentage offer to clear the debt?
>
> But first....
> Should I get them to send me a copy of the CCA and evidence that they have a legal right to collect this debt?
> I have already, in immediate response to the letter, written and posted a "WITHOUT PREJUDICE" letter to bwlegal making no acknowledgement of this debt but making an offer of 20% (£2781.92) to, as stated in the demand.....compound the debt!
> Am I going in the right direction.
> I was intending to call the number on the letter today, but I suspect that the person on the other end of the telephone will be a very experienced negotiator..... so I am somewhat wary of this action.
)
Sharon xx
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