- Thu Aug 10, 2017 10:39 am
You say a letter? Is it not a county court claim form?
If it is a county court claim form then ignoring it will get you a CCJ in default and the creditor can choose how much they want you to pay. If you dispute the debt then you can ask for extra time to put a defence together - if you do not then you can fill in the relevant form and ask for time to pay in instalments. Yes, bailiffs could end up coming to your door but only if you get a CCJ that you have not complied with.
You need to be sure what this is - have you (or anyone else) made any payments to the debt in the last 6 years, have you acknowledged it in writing? If you have not done either of these then the debt could be statute barred and you could enter a statutes barred defence.
Basically it is how long is a piece of string - there are so many variables but slightly different address and it has got to you even though you have taken your wife's surname - tracing is a full time activity for some collectors so do not ignore it.
Bottom line though is that I have never heard of just a letter from the CC business centre - unless a CCJ had already been granted. They send out forms and templates not requests to know whether a debt is yours or not.
If you have other debts then you might do well to give Payplan a ring on the above number where they can talk you through things in more detail.