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I’ve moved this as I’d posted in the wrong section.
I received a letter before claim in July 2022 with sparse details about a personal loan with Sainsburys and responded that I’d be defending the debt. I asked for more information about the debt. I received no reply. I kind of forgot about it and went on holiday in January 2023 to February 2023. I just returned to find I have a CCJ issued 2 days ago.
I feel that taking the chance to go on holiday was reasonable due to not hearing anything after the letter of claim for 6 months? I’m not sure what other people do about holidays after a letter of claim?
I think this debt is a mistake. My husband took a loan before we broke up, but I’m sure it was in his name.
I’m not sure what my defence is as I have no information as the particulars of claim are as brief as the letter before claim.
I think I need to apply to have it set aside and fill in the N244 Court Application Form but I don’t know how to prepare a defence when I don’t have the info I need about the debt? It was a long time ago that I defended an actual court claim (it was successful) and have no idea how to do this at this stage in terms of defence.
Any help would be appreciated very much!
