Court Citation Scotland

[lemures]

Hi

Looking for help and advice with regard to a citation I received today from my local sheriff court in Scotland and I'm just wondering what to do next.

Its for an old credit card debt and has been lodged by Cabot Financial. Is there any way I can defend this?

TIA
Lemur

[echat11]

Hi Lemures

Welcome to LB

We don't deal with Scots law as such.

How old is the account?

When was the last payment made and has the debt been acknowledged in the last 5 years?

[lemures]

Hi Lemures

Welcome to LB

We don't deal with Scots law as such.

How old is the account?

When was the last payment made and has the debt been acknowledged in the last 5 years?

Hi Echat

Thanks for your response.

I first took the credit card out in Sept 2012. The last payment was made in September 2019.

Think a visit to Citizens Advice is on the cards.

[echat11]

Hi Echat

Thanks for your response.

I first took the credit card out in Sept 2012. The last payment was made in September 2019.

Think a visit to Citizens Advice is on the cards.

The debt might be statute barred, but check with Citizens Advice.

[lemures]

Would it be too late to request if they have a copy of the CCA?

[echat11]

Would it be too late to request if they have a copy of the CCA?

No it's not too late, it's something you should do. Make sure you get Proof of Postage.

https://legalbeagles.info/library/gu...etter-example/