Yes, I fully agree with these two replies - go to a reputable solicitor however,and whatever you do, don't rely on the CAB for advice. The advice they gave me totally goes against what this wonderful site recommends. For example, I was told that, as I had replied to all letters sent to me,and not just ignored them, that I had 'ruined any chance I had of winning any possible legal hearing'.(posted 8211 days ago)