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So I received a claim form for a CCJ from CABOT financial, who have bought the debt from Lloyds TSB.
The debt was a student overdraft. For some reason, even though I explained to Lloyds on several occasions that I was no longer a student, and tried to get them to reduce the overdraft, I had an overdraft of £3k over 20 years or so. They even advised I got a credit card instead to clear it.
Anyhow, fast forward and several years ago they wanted to increase the interest from around £10-15 per month to £60-70 per month. I contacted them, explained this was affordable. It was agreed over the phone that the account would be closed, and I made an agreement to pay £50 per month to clear the debt.
I continued making payments into the account. I was told I would lose visibility of the account from online banking as it was closed, but payments would go off my debt. My exh was also making CSA payments into the account - small amounts.
Around 6 months later I had a letter to say the debt had been sold. Somewhat stupidly, I ignored this, and stopped payments shortly after. I hadn't missed payments up until this point.
Now, I have a CCJ claim from Cabot Financial. I've increased the response time and asked for the CCA, which they are unable to supply within the 12 days.
I now need to file my defence. I'd really appreciate any help at all with what to write!
Thank you for reading this far!
The debt was a student overdraft. For some reason, even though I explained to Lloyds on several occasions that I was no longer a student, and tried to get them to reduce the overdraft, I had an overdraft of £3k over 20 years or so. They even advised I got a credit card instead to clear it.
Anyhow, fast forward and several years ago they wanted to increase the interest from around £10-15 per month to £60-70 per month. I contacted them, explained this was affordable. It was agreed over the phone that the account would be closed, and I made an agreement to pay £50 per month to clear the debt.
I continued making payments into the account. I was told I would lose visibility of the account from online banking as it was closed, but payments would go off my debt. My exh was also making CSA payments into the account - small amounts.
Around 6 months later I had a letter to say the debt had been sold. Somewhat stupidly, I ignored this, and stopped payments shortly after. I hadn't missed payments up until this point.
Now, I have a CCJ claim from Cabot Financial. I've increased the response time and asked for the CCA, which they are unable to supply within the 12 days.
I now need to file my defence. I'd really appreciate any help at all with what to write!
Thank you for reading this far!
If you had not made any payment or accepted the debt for 6 years, it would have been possible to get the debt written off? 
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