Received aSection 129notice?

Prepare for a conversation about the notice

Have the full notice available, including the creditor name, account number and the date you received it. If you have received later letters, a summons or court papers, include those too. They help the adviser understand the current stage of the account.

• Check the amount against your statements and gather records of payments or disputes.
• Write down your income, essential expenses and other repayments.
• Ask what response is needed, who should receive it and which deadline applies.
• Keep copies of documents and any written agreement about the next step.

Sending a callback request does not itself respond to a legal notice. If a deadline is close, seek help promptly and make sure the notice is assessed.