My name is Philip. I found this forum as I desperately need help.
I received a Statute demand today (16th December) from BWlegal acting on behalf of Lowell Portfolio Ltd.
The accompanying letter is dated the 28th November and the Statute demand is dated the 28th November also but I only received it today.
It looks like it was hand delivered as there is no stamp.
It all relates to a credit card from MBNA that I defaulted on. I believe the default date is 16th October 2008.
The amount owed is £6740. Things got out of control I and couldn't pay the monthly payments anymore. They kept increasing my limit and I was stupid and to be honest naive.
Over the years the debt was taken over by a couple of companies and now is with Lowell portfolio Ltd. And now I'm here. Sitting here reading this document.
I don't know what to do or think right now. I'm in shock if i'm honest.
I live alone and have a mortgage. I work as a nurse so I don't earn loads. I wonder if this is a huge scare tactic as they haven't tried to take me to court for a CCJ for just over five years now.
The statute states a time frame and it worries me that 18 days has passed before I received it.
Please someone help me on what to do. It would be so appreciated.