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Morning,
First of all, thanks for any help advised you offer, it'll be gratefully received.
I've gotten a county court claim from Western Circle (payday loan company) for an old debt (not statutory barred) and still 3 years to go before it is. The county court claim is definitely genuine as it has claim number, password etc and I've just logged in to moneyclaim.gov and it pulls the details.
Is the claim the company are making against me my debt? Possibly. A few years ago personal circumstances changed and I fell of the wagon a bit and ended up taking multiple payday loans out. So this could be one of them.
Some other details
1) I don't recall ever receiving a default notice but there is one on my credit report
2) about 2 months ago I received a letter before action (they called it a "letter of claim") through the post. Now while this looked genuine (according to my research) - it had a basic statement of the loan, original interest which would have been occurred then a reply form which had options for me to either agree the debt, dispute it etc and a basic financial statement, however.
The info on how to respond to the letter of claim had a very clear instructions saying - "you only have 30 days from the date at the top of the letter from the business to send back the reply form".
There are absolutely no dates on the accompanying letter, absolutely none. Because of this, I assumed it was just a standard threat and ignored it!
Obviously the business concerned were serious, but have they followed the proper protocol?
How should I respond to the claim online, should I defend and ask for documents, if so, what should I ask for?
Kind regards
Dos
First of all, thanks for any help advised you offer, it'll be gratefully received.
I've gotten a county court claim from Western Circle (payday loan company) for an old debt (not statutory barred) and still 3 years to go before it is. The county court claim is definitely genuine as it has claim number, password etc and I've just logged in to moneyclaim.gov and it pulls the details.
Is the claim the company are making against me my debt? Possibly. A few years ago personal circumstances changed and I fell of the wagon a bit and ended up taking multiple payday loans out. So this could be one of them.
Some other details
1) I don't recall ever receiving a default notice but there is one on my credit report
2) about 2 months ago I received a letter before action (they called it a "letter of claim") through the post. Now while this looked genuine (according to my research) - it had a basic statement of the loan, original interest which would have been occurred then a reply form which had options for me to either agree the debt, dispute it etc and a basic financial statement, however.
The info on how to respond to the letter of claim had a very clear instructions saying - "you only have 30 days from the date at the top of the letter from the business to send back the reply form".
There are absolutely no dates on the accompanying letter, absolutely none. Because of this, I assumed it was just a standard threat and ignored it!
Obviously the business concerned were serious, but have they followed the proper protocol?
How should I respond to the claim online, should I defend and ask for documents, if so, what should I ask for?
Kind regards
Dos
