LBC - Settlement Offer - Need advice!

Redx

SouRz wrote: »

So do I respond to this LBC? Do I need to do anything right now or do I await the court papers?

unless you are willing to pay up IN FULL , you reply with a debt denied letter , same as everybody else with an LBC from Gladstones

yes its an LBC , how do I know ?

1) their client is PCM , (the PPC themselves) not a DCA

2) it tells you to phone GLADS , and not a DCA

3) it has their GOLF CLUB address on it , not red cow yard

4) it tells you to PAY UP , IN FULL

so yes , treat it as an LBC and respond accordingly

CM told you this in post #25 , and where to find examples

but bear in mind they are not likely to read any response and will likely issue a court claim in the next few weeks , regardless of what YOU want , you are no longer in control (unless you pay in full)

welcome to our grown up world of being an adult and now responsible for your destiny

I dont wish to sound harsh , but have been through this with my 3 lads and now one of my grand daughters who is your age

ie:- its not as simple as when adults were responsible on your behalf , plus you have to sort out your own problems , debts and alleged debts

we really want you to take them on and win , same as many others do, but you need to wake up and face reality

you will get help from here free of charge , so I suggest you gen up on this topic and follow the advice given

and remove the picture , redact your name and reference code etc , then re-upload it again

SouRz

Hi everybody,

I have now posted of a letter back to them, similar to Gan's letter given in the Newbie thread.

Redx, apologies if at any time I came off as rude or negligent, I did not mean to express myself in that way and was genuinely confused regarding their postal address. Many thanks for clearing the confusion on that.

Thank you Redx, Coupon-mad, Quentin and Pappa Golf (and anyone else who has helped!). I will await their reply, or court papers, and proceed as advised in the Newbie thread. I'll post back here if I need any more help from you guys - thanks for giving all this advice for free, it is very much appreciated.

I hope you all have a great weekend.

Redx

dont worry about it

seen it many times with "teenagers" , lol

the hard part is getting them to understand our "adult" point of view and take onboard that we "old and wise owls" may actually know more about the subject lol

hopefully you will now be more receptive to the free advice being offered, plus I can assure you it is better advice than if you actually had paid for it , or tried the C.A.B. etc

it may not be what you want to hear , but it is the correct advice that you needed

if there had been a magic bullet !! ie:- an easy solution , we would have told you about it