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I received a court order for a debt from Halifax (credit card) that had been sold on to Cabot. I ignored it as I thought it was a scam by Cabot to try and get me to reply. I then realised the court was real so found letter and logged on to find a judgement had been made against me. I’m pretty sure this debt is statute barred after reading up on forums, so how can I defend it now it’s been decided against me? I’m just getting my life back in order after losing my mum and husband and business 5+ years ago.
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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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