There seem to be some rather unfriendly and unhelpful responses here, from normally helpful people, to someone awsking for help and advicee, well as some helpful responses.

The Mudcat is where I myself would choose to ask this kind of question rather than the Annexe, because it's a larger group of people, with a considerable amount of expertise on just about everything.

I would suggest that GUEST,guest should be responded to on the assumption that he or she is a member who feels it better to remain anonymous in this particular context, as others of us have from time to time when there seems a good reason to do so.

Gareth's point about countries is very relevant. On the assumption that statistically this is most likely to be in America (since that is where most people visiting the Mudcat clearly live) Amos's advice seems sensible.

Assuming the account by GUEST,guest is accurate, I'd disagree with NigelParsons about what is posted on the website not being defamatory. To say that someone does not pay their bills and cannot be trusted goes very considerably further than saying that in a particular instance they have made a late paymnent. I would think it is probably libellous, and that posting it on a website is very risky indeed, both to the person posting it and to those who maintain the website etc.

The crucial phrase is perhaps "as these remarks are still on the web site" - ie it has not been removed once it has been pointed put that it is libellous.