Are you living in fear of Banks and Debt Collectors letters and phone calls? Do you worry about Bailiffs visiting your home? 
I've managed to get behind on my leasehold property maintainance,the sum of which I am not disputing but what the management company has now done is to hand the debt to a solicitors who are trying to slap their fees on top of the existing debt.ie.£150 if I pay through them the sum,£300 if they they go to mortgage company for payment or more if they take it to court.
I sent them my own notice telling them to show me evidence of contract & my fee schedule,£5000 for getting involved. I have received a letter from them saying "If the arrears are disputed then let us have the details,otherwise & in the event you do not discharge the arrears proceedings will be issued for the recovery within 7 days of this letter."
Should I use the 3 letter system & let that take its course?
Also I wish to settle the debt,should I make an offer to pay the maintainance company so much per month & must they accept this without putting more fees onto the mortgage?
Advice appreciated
