Court citation in Scotland

[clydesdale8]

Hi everyone,I had a loan with RBS,7k left to pay.Per advised on the get out of debt for free site I stopped paying and followed the rules of sending the letters asking for proof of the alleged debt etc.It got passed to a lawyers in Glasgow.They have ignored the tact agreement I got them in and have passed the debt to the court.It seems to be only the loan that is causing the problem,I have dealt with a couple of credit cards and has worked no problem per the instructions on the get out of debt free website.

The other day I got a citation to court,no stamp on it so looks like it was hand delivered.I have until the end of this month to either come to an arrangement to pay or defend in court.I really don't want to go to court.I was going to send it back as "no contract" but was wondering if anyone can tell me the best thing to do.I appreciate any help.Thanks in advance and keep up the good work :-)

[mystery1]

Re: Court citation in Scotland

First thing to do is to check with the court to see if the papers are genuine as you have indiacted you are not sure. Phone them up and they'll confirm the reality for you.

M1

[clydesdale8]

Re: Court citation in Scotland

Thanks M1 it is genuine,there is a writ at the back of the citation with a sheriff court stamp and the fee of £80.Any ideas what I can do?

[Amethyst]

Re: Court citation in Scotland

Is there any dispute about the debt ? (other than the missing copy of agreement) WIthout knowing more info about the debt and agreement its really impossible to advise properly. Have RBS simply not sent the CCA following a formal request or have they sent a non compliant agreement ? With the limited info you have given and knowing the way these kind of defences go more often than not personally I feel it would be in your best interests to come to an arrangement to pay, set by the courts based on your income and expenditure, and try to avoid a restriction on your property.