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Hi All, Ive been getting help off another site but was directed to you by a friend of a friend.
I will put the details of whats happened so far and hopefully someone can give me some idea of what to do now:
1. Received two claim forms from Northampton County Court on the 26th February 2013 both for Lloyds Tsb but the claimant is Marlin Europe II Ltd.
2. Given some advice by posters on a forum and was told to acknowledge service and tick defend all as the POC's were vague.
3. Sent both CPR and Section 77/78 requests to Marlins and Restons, had reply back from Restons to say request my CPR request wasn't signed, resigned letter and sent back.
4. Had heard nothing from Marlins/Restons so submitted a defence which basically said this (embarrassed defence)
5. Had letter from Restons dated September 4th 2013 saying that unless I send the enclosed N9A form then they will make an application to strike out the defence/for summary judgement and to seek an order that I pay their clients legal costs. Enclosed with their letter is a signed credit agreement which apart from my signature is blurry and a letter from Marlin Europe II dated 13 November 2013 notifying me that they had assigned the debt which I have never seen before.
Ive read won/lost cases on this site and others but im just confusing myself, I believe both Marlins and Restons have been underhand with how they have dealt with me, I had never heard of either of them before I received the court claim form.
The debts would have been statute barred at the end of March 2013 so I think this is why they have done things this way.
So what I'm asking is that if you were in my position - with no legal know how what would you do? I have no assets/no money to offer, I couldn't even join Payplan as I do not have enough disposable income at the end of each month so really dont want to incur any more court costs.
Cheers
TFM
I will put the details of whats happened so far and hopefully someone can give me some idea of what to do now:
1. Received two claim forms from Northampton County Court on the 26th February 2013 both for Lloyds Tsb but the claimant is Marlin Europe II Ltd.
2. Given some advice by posters on a forum and was told to acknowledge service and tick defend all as the POC's were vague.
3. Sent both CPR and Section 77/78 requests to Marlins and Restons, had reply back from Restons to say request my CPR request wasn't signed, resigned letter and sent back.
4. Had heard nothing from Marlins/Restons so submitted a defence which basically said this (embarrassed defence)
5. Had letter from Restons dated September 4th 2013 saying that unless I send the enclosed N9A form then they will make an application to strike out the defence/for summary judgement and to seek an order that I pay their clients legal costs. Enclosed with their letter is a signed credit agreement which apart from my signature is blurry and a letter from Marlin Europe II dated 13 November 2013 notifying me that they had assigned the debt which I have never seen before.
Ive read won/lost cases on this site and others but im just confusing myself, I believe both Marlins and Restons have been underhand with how they have dealt with me, I had never heard of either of them before I received the court claim form.
The debts would have been statute barred at the end of March 2013 so I think this is why they have done things this way.
So what I'm asking is that if you were in my position - with no legal know how what would you do? I have no assets/no money to offer, I couldn't even join Payplan as I do not have enough disposable income at the end of each month so really dont want to incur any more court costs.
Cheers
TFM
