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[JD1905]

Thanks - Just done some more research and you are correct. Should not touch my credit file so not too worried.

I will continue with my radio silence and see them in court....

[JD1905]

Just got my pack of defaults through this morning. My stance this whole time has been to not respond and let them take me to court if they feel they have a case.

Would it however, at this point, be wise to send them something not acknowledging the debt.

Also, would these...