If you are writing to them DO NOT write "without prejudice" on your correspondence, especially if you want to later rely on this correspondence in court.
Though a precedent was set two years ago where "without prejudice" letters were allowed in court evidence, it has been recently noted that several DCAs and Creditors have managed to convince DJs not to allow "without prejudice" letters to be admitted as evidence in a counter claim or as defence. Though this appears to be on a case by case basis, it is becoming common again
So if you are, or suspect that you will need to, rely on your correspondence to a DCA or creditor in court as a defence, remember if you have used "without prejudice" then it can be objected to by the DCA or Creditor and if the DJ accepts this then you have lost your defence.
So dont risk it!!!
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Abbreviations used in DQF
My advice is guidance only, if you want the law then consult a lawyer!
(c) All Spelling mistakes are my own design, infringement of them may result me sulking!