Hi jfollows,
Thanks for letting me know. Oddly, it was not working here in Thailand but when I set the VPN to the UK it worked fine for me.
Below is all the text ChatGPT extracted from the first and second page. The third page is just a form.
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We write to advise that your Letter of Claim is due to expire on 02 October 2025. The Letter of Claim is the formal notice issued before any commencement of legal proceedings to recover the outstanding balance of £260.00. Once the Letter of Claim expires, legal proceedings for the full balance can be issued without further notice, increasing your balance by additional costs and fees in the Letter of Claim.
If you want to avoid this, consider the benefits below, and then take the steps to get your case back on track. We can extend you some further time; we have a final offer. If that is not affordable, then all you have to do is call us. Considering your circumstances, we will set up the most affordable solution for you.
What benefits do you have once you have set an arrangement to pay?
Legal Proceedings will not be issued.
You would avoid a future County Court Judgment or Enforcement action.
You would avoid a CCJ’s negative impact on your Credit File.
If this account is being reported to credit reference agencies, then setting up a repayment plan will help improve your credit score as the balance reported each month reduces.
If a County court claim is issued and not paid or has an agreed plan set or where the reason to defend the claim has not been filed, this could lead to a County Court Judgment (“CCJ”) being entered. Should a CCJ be entered against you, it will, where applicable, remain on your credit file and/or the Register of Judgments, Orders, and Fines for up to six years and may impact your ability to obtain future credit.
Here is how we can help you reduce the balance with a 30% discount offer
Our clients want to help to reduce the balance strictly without prejudice they will give a discount against the balance of 30%. You can settle the balance in full for £182.00. This offer will expire on 07 October 2025 so act quickly.
If you can’t pay the discounted offer in full, no problem; you can still have the discounted if you set an arrangement to pay by 07 October 2025. You can discuss repayment solutions with us, or we have in place for you a pre-approved monthly plan of £32.50, which has been considered based on estimated disposable income.
The benefit of accepting this is that your plan is set for the discounted amount of £182.00. As long as you maintain your arrangement, our client will write off the discount percentage of 30% on receipt of your final payment, which will then be reported to the credit bureau as a partial settlement. In the meantime, as you make payments and reduce the balance you owe, when our client reports this to the credit reference agency, it may have a positive impact on your score.
This offer is made strictly without prejudice and must be accepted by 07 October 2025. Following the expiry of this letter, the discount offer will no longer be available, and the full current balance of £260.00 may be pursued via a County court claim.
Reminder of the personal repayment solution that is due to expire
We have discussed with our client how they might also help with any possible financial burden that you may be experiencing and we are able to re-offer you the opportunity to pay the amount owing with a pre-approved monthly instalment amount of £32.50.
How do you get in touch?
If this is affordable, the quickest way to accept the offer is to log in or register to use our customer portal at portal.bwlegal.co.uk. The pre-approved settlement and plan are ready for you to accept.
Call us on 0113 487 0430 to accept the offer, and we can set up the plan for you.
Chat with us at bwlegal.co.uk/customers.
For alternative ways to make payment, please see the reverse of this letter.
Don’t worry if you cannot afford the pre-approved instalment amount. Call us on 0113 487 0430 so that we can assist you and we will find the right affordable and sustainable amount that you can pay by running through your affordability.
If you need to raise a query or tell us why you can't pay the balance
You can do this by contacting us via a secure webform, or by webchat at bwlegal.co.uk/customers. We will pick up your query and hold your case while we investigate and get back to you. You can also raise this with us by talking to one of our agents on 0113 487 0430.
Important information about discount offers
When you set up a discounted repayment plan, the discount will be removed if you default on the arrangement you made and the plan is set back up within the defaulted period. The entire remaining balance will be due. Future discounts may be considered or offered by our client, but they could be less than previously offered amounts.
We always recommend contacting us if you need help maintaining your arrangement so we can help you and preserve your discount.
Yours sincerely
BW Legal
