n.h.l /d.l.c and a solicitor called aplins

update on my shortfall debt,i have today recived a letter from aplins solicitors,on behalf of dlc.i quote" we have been instructed to write to you by the creditors managing agents,direct legal &collections.you have so far ignored their requests for you to contact them concerning this matter. legal action may be our clients only option,which could ultimately lead to :- personal bankruptcy,a county court judgment,a charging order if judgement is granted,an attachment of your earnings. this may prevent you obtaining future credit,could affect your employment prospects and may prevent you from opening a bank account.it might be possible to avoid this action by making an imediate phone call to 08707469050. i owe 10k do you think it is time to issue a sarn notice? also has anbody had any experience of these solicitors(aplins).and what can i expect to happen now ? also i have read the mortgage conditions posted on this site from nhl,and my copy 1988 edition does not contain the clause about the mig policy,does that help me?

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