Response to Experto Credite and Royal and Sun Alliance and Halifax

Elaine.Hang on in there; you probably have a very good defence to this. Matt is well clued up on the people that are chasing you so do follow him up on his offer. Suffice to say they will send you all the usual frighteners about repossession of goods, people coming to call, baillifs, solicitors (I have a feeling that the same person writes their letters from debt collectors/baillifs/solicitors), statement of earnings under oath etc.Don't be put off on this and do something "daft" like phoning them; stand your ground.One other tip; if you are new to this site, do spend A LOT OF TIME examining everything on it.I have spent hours reading the letters etc and I would urge you to do the same. There certainly something here to help you. Another request, please post your progress on this site as soon as you can (e-mail me privately if you do want to keep it close).This will help others, and also help me in my gathering some information about this lot.

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