Hi Mark which ever way you look at it you are in for a long haul, they wage a war of attrician they have all the time in the world to chase you and are in no hurry to settle. With that in mind please look to the advise of sending a letter not admitting to anything, as few of us are experts in legal styles dont worry if you say what you want to say they will soon get your drift rambling or not. Make them prove the debt and do not accept anything they say at face value. As for the CAB or your local solicitor I garantee after 6 months of looking into my case my knowlage of this branch of the law is better than most solicitors, and you will be the same. Only you know your case and you are the best person to fight it, its not rocket science after all.(posted 8110 days ago)Hang in there All the best
Jon S