hello john we also use thomas higgins taking a woman to court on my behalf at the moment for £72,she knows shes responsible for the debt as she did offer to pay (after court proceedings had been issued)until she realized she was also now accountable for the court cost.now since the costs are the same win or lose she wants her day in court mind you it was worth stumping up the court costs up front because it really p****d her off big style and its was great to have her phone up and plead ..........tough shit pet,talk to my solicitor!! saying that she still gets to drive around in a 2001 chrysler grand voyager whilst i eat stale bread and cheese graeme