Final Notice before Action
Here is a copy of a letter from Rockwell Debt Collection Agency:
P.O. Box 198
Call us on 01702 444794 or 0845 2241806
Outstanding Balance: £1804 .24
FINAL NOTICE BEFORE ACTION
Further to our previous correspondence, your account still remains unpaid and we have received no proposals for repayment. It is a legal requirement to us to send a notice of Intended Litigation before legal proceedings are issued against you. This letter meets these requirements, even if it is not actually read.
We will now consider the options available to us to recover this debt, including litigation.
To prevent legal action from being taken you must arrange to make payment in full to these offices by 20 September 2011 otherwise we will take immediate action against.
If you fail to respond to this letter Judgement Order/Decree may be obtained and, if this remains unsatisfied, enforcement of your debt may be sought by one or more of the following:
- Warrant of Execution by bailiffs against the goods you own
- Attachment of Earnings Order with your present or future employer
- Charging Order on any property you may own now or in the future
- Enforcement in Scotland following Decree if appropriate
You should understand that a judgement/decree against you would seriously affect your ability to obtain further credit.
TO AVOID ROCKWELL TAKING ANY FURTHER ACTION, TELEPHONE THE PRE-LEGAL DEPARTMENT NOW ON THE NUMBER ABOVE.
ROCKWELL DEBT COLLECTION AGENCY”
Obviously the letter above should be taken seriously! In this particular case, the client sought help and reduced monthly payments are being negotiated.
As part of a pro-rata split the client will be paying £11 to the creditor on a monthly basis, in a debt management plan.