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Hi I would greatly appreciate some help and advice as CAB and the national debtline have been of no help in my case at all and I feel I am just being passed around from place to place.
I have recently received a County court claim form. the claimant being lowell. I wish to defend the case on account that a provident loan was taken out over 13 years ago, Lowell have taken on the debt and all these years later at a new address they have sent me this claim. I should have been issued with a 30 day right to respond claim directly from Lowell but I didn't receive this. I am also quite ill and this isn't helping. Ive asked for a template to help word my defense for statute barred, my only defense is that the debt is over 6 years and having checked my credit clear score I do not have a ccj from them. However the national debt helpline have told me I have to have legal representation, I can't afford this nor do any law firms deal in free advice for statute barred. three days on I am still struggling for help could anyone here please help with a template and would I have to appear in court to defend my case, I am currently too ill and have longterm anxiety health issues that would be a problem. Thanks in advance to anyone that could help me with this.
I have recently received a County court claim form. the claimant being lowell. I wish to defend the case on account that a provident loan was taken out over 13 years ago, Lowell have taken on the debt and all these years later at a new address they have sent me this claim. I should have been issued with a 30 day right to respond claim directly from Lowell but I didn't receive this. I am also quite ill and this isn't helping. Ive asked for a template to help word my defense for statute barred, my only defense is that the debt is over 6 years and having checked my credit clear score I do not have a ccj from them. However the national debt helpline have told me I have to have legal representation, I can't afford this nor do any law firms deal in free advice for statute barred. three days on I am still struggling for help could anyone here please help with a template and would I have to appear in court to defend my case, I am currently too ill and have longterm anxiety health issues that would be a problem. Thanks in advance to anyone that could help me with this.
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