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  • GUIDES & LETTERS

    Shortcuts for Consumer Credit Court Claims.

    Check your dates || PRE-ACTION || First Steps || Acknowledge a Claim || Guides || Example Defence || CCA Request Letter || CPR 31.14 Request Letter || Set Aside Application || Subject Access Request Letter

    If you received a court claim and want to start a new thread in this forum please read THIS POST about your first steps and make a new thread in the forum using THIS FORM.

    PLEASE DO NOT SEND THINGS WITHOUT READING THEM FIRST. IF YOU DO NOT UNDERSTAND SOMETHING - ASK !! - We LIKE QUESTIONS !!!

    We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
    If your case is over 10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.

    NOTE: If you receive a court claim note these dates in your calendar ...
    Acknowledge Claim - within 14 days from Service
    Defend Claim - within 28 days from Service (IF you acknowledged in time)
    If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.

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Ccj claim form defence help please

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  • Ccj claim form defence help please

    Hi, Im new to this forum so trying to get some advice about my current situation.

    I have received a CCj claim form from Northampton county court business centre which says that a claimant HOIST PORTFOLIO HOLDINGS 2 LTD have claimed 1635.62 plus costs, equaling total 1820.62 for the original creditor MKDP LLP (EX LLOYDS BANKING GROUP) for overdrawn sums not repaid.

    I have contacted all 3 credit reference agencies, and they say that the debt dropped off my credit files on 14/01/2017 - as the default date was 13/01/2011. I have NOT made any payments or acknowledged this debt since the default, so under the limitations act, it should be statute barred.

    On the Particulars of claim, (shown as an attachment so you can see it) it dates the interest from 15/03/2011 - 15/03/2017 (the date the CJ claim was issued) so I wonder why the claimant has listed 6 years from 15/03/2011, and not 6 years from the default date which was 14/01/2011?

    I have submitted an AOS to the court using the money claims online service, and now need to word my defence for the court.

    Can anyone help with this? - What wording should I use in my letter?

    Also, What is the process from now on after my defence is received at the court?

    Any help would be great!

    Thanks

    Liam
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