Following the advice on this site I have just SARNed Royal & Sun Alliance and Curtis but I'm not sure what to do next. Do I wait for their responses and then write back asking for more specific info such as copies of the MIG? Do I also write formally to Curtis asking them to substantiate their claim that we owe the sum of money they say we do?(posted 7625 days ago)The initial contact by Curtis was back on 6th December 2001 with the usual Income and Expenditure form which we did not fill in. Instead we wrote to them on 16th December 2001 saying that as we did not know who they were that we certainly would not provide them with this information and that we felt that such demands must surely be contrary to the Human Rights Act.
They did not respond to this letter until 12 March 2002 with the comment that our references to the Human Rights Act were "red herrings". Makes you wonder though if it did have anything to do with their slow reponse.
Anyway they were still making threatening demands so we wrote back saying we have nothing, we earn next to nothing and that the whole episode regarding the repossession had had a devastating effect on David's health whereby he is now unable to work long hours. Therefore the likelyhood of a change for the better at any time in the future was highly unlikely.
Curtis are now attempting to serve a Statutory Demand (see my other posting entitled Important Info on Stat Demands) which is why I'm now trying to deal with this matter using the help of this site.
So can anyone tell me what I should do now.
Many thanks
Florrie