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Apologies for my naivety and apologies if this is reposted elsewhere. I have been in the process of reclaiming interest from PDL companies using the debt camel website templates. With this money I have been paying off creditors, agreeing payment plans and basically sorting my life out. Unfortunately one creditor lending stream has taken me to court through ASSET COLLECTIONS and TM LEGAL SERVICES. I should have completed the pre court pack but didn't and so received a claim form. I have stated I will submit a defence to try and buy myself more time so I can pay off the £1400 if it goes to court and avoid a CCJ. What should I cover in my defence? The same irresponsible lending argument I am using to claim money back?
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SHORTCUTS
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Directions Questionnaire
If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.
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.
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.
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