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HELP - Initial writ served on me

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  • HELP - Initial writ served on me

    Numerous credit cards defaulted at the end of 2022 / start of 2023, c50k debt.
    Severeal reasons, excuses and part justifcations of why this came round, but it is what it is now.
    All cards have been passed to debt collectors, which I have maintained NO CONTACT with whatsoever. I thought i'd be able to ignore everything for a year before starting a DPP / DAS (I believed this to be essential as I work in financial services).

    However, on Monday i was served with an initial writ from Nolans for 2 credit cards that Cabot had taken on: MBNA (2016) c12k , BoS (2016) c4k.
    The writ contains a very basic claim that I entered into these contracts and didnt pay. No reference or account numbers stated.
    I have until the 26th to respond.

    What are my options?

    Do I send off CCA requests - and hope Cabot can't provide the relevant paperwork - and therefore prevents Nolans achieving a decree? Does that mean I need to defend the claim? What happens if they then find the paperwork? Can i really run that risk?

    Is it too late to now get StepChange involved to get a DPP/DAS setup for all my debts, and prevent a decree from being granted. That's my absolute priority here.

    Any help would be greatly appreciated.

    Tags: None

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Pre-Action Letters
First Steps
Check dates
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Witness Statements
Directions Questionnaire
Statute Barred Letter

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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