Court case received re Credit card

[robbie301256]

I have just received a summoms for 15,000 pounds filed against me by Lowell with regard to an old Halifax credit card debt.
I have read that a credit card taken out before 2007 is unenforceable. Os that correct ?
I have sent back a defence stating the debt was in dispute and that Halifax were in breach of the financial regulations by selling it to Lowell I have also stated that the debt was Statute Barred before it was sold. I have asked that Lowell supply all statements,correspondence and a signed contract signed by me when I applied for the credit card.
I have now received a letter from the court stating that my defence has been served on Lowell and the have 28 days to respond.
What would be my best option and defence if Lowell wishes to proceed with the case
Any help would be much appropriated. and many thanks

[Amethyst]

Good morning, Welcome to the forum

A credit card taken out pre2007 isn't unenforceable no, but it may be deemed unenforceable if the terms and agreement aren't compliant with the Consumer Credit Act.

Halifax are also allowed to sell on a debt to a debt purchaser such as Lowell.

You consider the debt may be statute barred, so you have made no payments or acknowledgment of the debt for over 6 years. Do you know when the debt defaulted ?

It might be an idea if you can post up a copy of the defence you have entered and what letters you sent to Lowell following receiot of the claim, just to check everything is on the right track.

Do you have any dispute over the amount being claimed, other than the non-provision ( to date) of documents ?