I have taken legal action to stop the debt collectors from putting a default action on my credit record. Please do not sit on your hands with this. You MUST reply and dispute the claims. Your Horse went to another trainer with out your knowledge is good enough for a dispute. The most you can re coupe in legal action is $600.00, the most He can get off you is $600.00 plus legal cost. Now that Nightingale has been warned off He can no longer profit from racing in NSW. post this off to your legal firm, No more action will occur.