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Hello my name is Jamie and I will help you. I am just reviewing your question. This is an email service so there may be delays when responding.
Have Court proceedings been issued?
Ok, did you appeal?
Don’t worry about a ccj, they always use that as a threat. Even if it went to court and you lost, if you pay within a month the ccj is removed.
Never speak on phone. Have you gone to POPLA or anyone?
Ok, you should appeal with the Company.
If that is refused then go to POPLA:
If that is rejected then you can still refuse to pay. They can then go to Court.
You can appeal to the Judge.
Even if you lose at Court any costs are fixed. If you pay within a month then any CCJ is cancelled.
Can I clarify anything for you about this today, please?
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No need to appeal letter before claim.
It not something which needs to be appealed.
Does that clarify?