urgent help needed claim form

[moses123]

some background
poc
The claimant claims xxxxx for debt and interest.
On 20/01/2002 the defendant enterd into an agreement for a credit card with bank of scotland plc under ref xxxxxx.
On 01/02/2010 the defendant defaulted on the agreement with an outstanding balance of xxx.
O20/06/2012 the debt of xxxx was assighned to 1st credit(finance) 5 ltd.
On19/11/2012 the company changed its name to cai finance ltd and on 01/04/2013 assighned the debt to 1st credit(finance) ltd
notices of assighnment were sent to the defendant in accordance with s.136 law of property act 1925
and the claimant claims
1 the sum of xxxx
2statutory interest of 5000 pursuant to s.69 county courts act 1984 at a rate of 8% per annum from 30/08/2012 to 20/11/2013 and therafter at a daily rate of 1.06 untill judgment or sooner payment.


basicaly i took out a credit card in 2002 and wasnt able to keep up payments i payed most of the debt but this is all mostly ppi and late fees which i want to reclaim

i sent a cca and cpr31 12 days ago have not heard back about the cpr or the cca the claim foprm has a printed signature.

i have read lots but hust confused as to what to do next ask for a extension or go with embarrest defence

[Inca]

Re: urgent help needed claim form

Hi and to LegalBeagles............it's a tad early yet but I'm sure someone who can help you will pop along

[CleverClogs]

Re: urgent help needed claim form

i sent a cca and cpr31 12 days ago have not heard back about the cpr or the cca

Did you use Recorded Delivery, Special Delivery or just obtain a free Certificate of Posting?

Have you acknowledged receipt of the claim form?

i have read lots but hust confused as to what to do next ask for a extension

Yes.

or go with embarrest defence

In my opinion, no, as that could be as good as telling the court that you have no real defence but you'd like to quibble nevertheless.

Your best defence, in my (non-expert) opinion is the claimant's failure to comply with your s.78(1) request, as s.78(6) should prevent them getting judgement in their favour until/unless they do comply.