Like a few others on here, i have just recieved the court documents regarding a debt on a GM Credit Card totalling over £9000.
Obviously i must send the acknowledgement form back (or do it online), but my question is should i state that i am going to defend the claim?
Yes the credit card was used to pay for stuff (mostly by my ex partner & often without my knowledge). so i can't really deny the debt.
Also, is it worth making them an offer as full & final settlement? What sort of proportion of what is owed could i safely offer as a full & final settlement & have it accepted? This could give me an idea of how much i need to raise.
I know i have not put too many details in this thread so far, but i'm looking to get some basic advice first then proceed from there.
Obviously i must send the acknowledgement form back (or do it online), but my question is should i state that i am going to defend the claim?
Yes the credit card was used to pay for stuff (mostly by my ex partner & often without my knowledge). so i can't really deny the debt.
Also, is it worth making them an offer as full & final settlement? What sort of proportion of what is owed could i safely offer as a full & final settlement & have it accepted? This could give me an idea of how much i need to raise.
I know i have not put too many details in this thread so far, but i'm looking to get some basic advice first then proceed from there.
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