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Hi all. I was hoping for some advice. I took out a credit card with Vanquis in 2013. I never used it much then they increased my credit limit to £2000, I had recently lost my job and my child died so I lost touch with reality, sunk into deep depression and maxed it out in September 2015 and couldn’t afford to repay it so it was passed on to Lowell’s. I have now received a letter before claim from them which a quick google search showed it shouldn’t be ignored much longer and led me to this site. Included in the letter is a brief background to the debt. Current balance of debt is £2396.50 which is a lot of money to me. Can anyone give me any advice of what to do now please? Am I current in thinking I ask for more information from them? If so what information should I ask for? Many thanks.
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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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