CCA says my agreed limit is £1,200 but being sued for £3,300

[Pepsi88]

Hi all,

Wanting some advice, would be grateful for any views and advice.

I denied the Notice of Claim against me by saying I don’t recognise the debt and amount owed. But the lawyers came back with the CCA and default notices and debt ownership transfer, but looking at the CCA it states my credit balance was £1,200.

There is no agreements that I agreed to raising the debt to the amount claimed.

Is it wise to challenge the other party to prove that I owe that amount, considering the vast difference between the CCA balance and the claimed balance?

thank you

[MIKE770]

do you mean pre action letters?

[Pepsi88]

On the actual CCA it states my credit limit is £1,200, in amongst the terms and conditions parts relating to the interest etc.

The amount they’re suing for is £3,200 which, if true, would have been because of unsolicited credit limit increases, different to the original amount and agreement.

Therefore, because the credit amount is different in the original agreement to the amount they are claiming, is there a possibility in disagreeing with the amount I allegedly owe?

Specifically, how does the court view unsolicited credit limit increases, that are different to the original credit limit agreement? I’ve never seen any threads on that subject from my searching or elsewhere on the internet.