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Hi All,
So few months after sending me a letter before action, a court claim has been put in. I am aware of the credit card debt, however have never received an official confirmation that this is the company that I should be dealing with in order to resolve the debt. The claim has been issued on 9th February but it wasn't until 3rd March that I have seen the letter....I immediately acknowledged it on MCOL (maybe too late?) but at same time will need to upload the defence too.
Received a claim? Yes
Issue Date: 9th Feb 2026
Have you Acknowledged the Claim?: Yes (but it was outside 14 days period)
Total Amount Claimed : £12,000
Claimant’s Name: The Royal Bank of Scotland PLC Wescot Credit Services
Solicitors Firm: Drydens Limited
Original Creditor: The Royal Bank of Scotland PLC
Original Debt (eg. Credit card/Loan/Overdraft) : Credit Card
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):1. The claim is for the sum of £xxx in respect of monies owed by the Defendant to the Claimant pursuant to Consumer Credit Act 1974 (the Act) regulated agreement(s), details are set out below. (claimant details and credit card number) .
2. The Defendant failed to make the required contractual payments.
3. Default notice have been served upon the Defendant pursuant to section 87 of the Act and have not been complied with.
And the claimant claims
1. the sum of £xxx
2. costs
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No
List any letters you have sent (eg: CCA/ CPR ): Sending on Monday
Any Other Information or Background Details:
I have copied the defence from other post and was wondering if this would be acceptable for now?
1.The Defendant received the claim XXXXXXXXX from the Northampton County Court on 9th February 2026 (claim issue date on claim form).
2.Each and every allegation in the Claimants statement of case is denied unless specifically admitted in this Defence.
3.This claim appears to be for a credit card agreement regulated under the Consumer Credit Act 1974.
4.It is admitted that the Defendant has previously entered into agreement with The Royal Bank of Scotland for provision of credit.
5.The Claimants statement of case fails to give adequate information to enable me to properly assess my position with regards to the claim.
6.The Claimant's Particulars of Claim fail to state when the agreement was entered into.
7.The Claimants statement of case does not state if the accounts were assigned.
8.It is denied that The Royal Bank of Scotland served any Default notices on the Defendant pursuant to s87 Consumer Credit Act 1974. The Claimant is required to prove that compliant Default Notice was served upon the Defendant. The Claimant is required to prove that any Default notices relied upon complied with the requirements of s88(4A) Consumer Credit Act 1974 and that the notices were in the prescribed form as required by The Consumer Credit Enforcement Default and Termination Notice Regulations 1983.
9..On the 9th March 2026 The Defendant sent a request for inspection of documents mentioned in the claimant's statement of case under Civil Procedure Rule 31.14 to Drydens Limited. I requested the Claimant provide copies of the Agreement, Default Notice and Notice of Assignment for the account.
10.The Defendant awaits a response from Drydens Limited to the request made on 9th March 2026.
11.On the 9th March 2026 The Defendant sent formal requests for copies of the original agreement to The Royal Bank of Scotland pursuant to section 77 of the Consumer Credit Act 1974 along with the statutory £1 fee.
12.The Claimant has failed to comply with s77 (1) Consumer Credit Act 1974 and by virtue of s77 (4) Consumer Credit Act 1974 cannot enforce the agreements.
13.Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.
14.The Defendant respectfully requests the court orders the Claimants to provide the necessary documentation in order for The Defendant to fully plead his case else the Claim should stand struck out.
15.In the event that the relevant documents are received from the Claimant, the Defendant will then be in a position to amend his defence, and would ask that the Claimants bear the costs of the amendment.
16.It is denied that the Claimant is entitled to the relief as claimed or at all.
Statement of Truth
I believe that the facts stated in this Defence are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.
Claim form uploaded to the following website - https://ibb.co/rhKjqKV
So few months after sending me a letter before action, a court claim has been put in. I am aware of the credit card debt, however have never received an official confirmation that this is the company that I should be dealing with in order to resolve the debt. The claim has been issued on 9th February but it wasn't until 3rd March that I have seen the letter....I immediately acknowledged it on MCOL (maybe too late?) but at same time will need to upload the defence too.
Received a claim? Yes
Issue Date: 9th Feb 2026
Have you Acknowledged the Claim?: Yes (but it was outside 14 days period)
Total Amount Claimed : £12,000
Claimant’s Name: The Royal Bank of Scotland PLC Wescot Credit Services
Solicitors Firm: Drydens Limited
Original Creditor: The Royal Bank of Scotland PLC
Original Debt (eg. Credit card/Loan/Overdraft) : Credit Card
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):1. The claim is for the sum of £xxx in respect of monies owed by the Defendant to the Claimant pursuant to Consumer Credit Act 1974 (the Act) regulated agreement(s), details are set out below. (claimant details and credit card number) .
2. The Defendant failed to make the required contractual payments.
3. Default notice have been served upon the Defendant pursuant to section 87 of the Act and have not been complied with.
And the claimant claims
1. the sum of £xxx
2. costs
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No
List any letters you have sent (eg: CCA/ CPR ): Sending on Monday
Any Other Information or Background Details:
I have copied the defence from other post and was wondering if this would be acceptable for now?
1.The Defendant received the claim XXXXXXXXX from the Northampton County Court on 9th February 2026 (claim issue date on claim form).
2.Each and every allegation in the Claimants statement of case is denied unless specifically admitted in this Defence.
3.This claim appears to be for a credit card agreement regulated under the Consumer Credit Act 1974.
4.It is admitted that the Defendant has previously entered into agreement with The Royal Bank of Scotland for provision of credit.
5.The Claimants statement of case fails to give adequate information to enable me to properly assess my position with regards to the claim.
6.The Claimant's Particulars of Claim fail to state when the agreement was entered into.
7.The Claimants statement of case does not state if the accounts were assigned.
8.It is denied that The Royal Bank of Scotland served any Default notices on the Defendant pursuant to s87 Consumer Credit Act 1974. The Claimant is required to prove that compliant Default Notice was served upon the Defendant. The Claimant is required to prove that any Default notices relied upon complied with the requirements of s88(4A) Consumer Credit Act 1974 and that the notices were in the prescribed form as required by The Consumer Credit Enforcement Default and Termination Notice Regulations 1983.
9..On the 9th March 2026 The Defendant sent a request for inspection of documents mentioned in the claimant's statement of case under Civil Procedure Rule 31.14 to Drydens Limited. I requested the Claimant provide copies of the Agreement, Default Notice and Notice of Assignment for the account.
10.The Defendant awaits a response from Drydens Limited to the request made on 9th March 2026.
11.On the 9th March 2026 The Defendant sent formal requests for copies of the original agreement to The Royal Bank of Scotland pursuant to section 77 of the Consumer Credit Act 1974 along with the statutory £1 fee.
12.The Claimant has failed to comply with s77 (1) Consumer Credit Act 1974 and by virtue of s77 (4) Consumer Credit Act 1974 cannot enforce the agreements.
13.Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore, it is expected that the Claimant be required to prove the allegation that the money is owed as claimed.
14.The Defendant respectfully requests the court orders the Claimants to provide the necessary documentation in order for The Defendant to fully plead his case else the Claim should stand struck out.
15.In the event that the relevant documents are received from the Claimant, the Defendant will then be in a position to amend his defence, and would ask that the Claimants bear the costs of the amendment.
16.It is denied that the Claimant is entitled to the relief as claimed or at all.
Statement of Truth
I believe that the facts stated in this Defence are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.
Claim form uploaded to the following website - https://ibb.co/rhKjqKV
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