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Hi guys I really hope you can help, bit of a long story but here goes,
I took out a credit card with cap1 in 2004, in 2008 I lost my job and tried to claim back charges on my card and was offered £200 of around 700 plus interest I declined this offer.
at the same time I defaulted on my payments and the debt was passed to capquest
I informed capquest the debt was under dispute they investigated and passed the debt back to cap 1
cap 1 then sold the debt back to capquest
capquest have been hounding me for payment since Jan 09 and I just keep responding with the alleged debt is under dispute
my last payment was in april 2008 the default was served in may 2008 so I assume since I have made no further payments nor acknowledged the debt it should be statute barred?
I recently received a letter from drydensfairfax solicitors threatening court action if I did not pay and on Oct 6 received court papers from Northampton
I have acknowledged the court papers online and said I intend to defend all the claim £934.82, I just need some advise on wording as I would like to defend on two points 1, the debt has always been under dispute and 2 it should be statute barred
thanks in advance
I took out a credit card with cap1 in 2004, in 2008 I lost my job and tried to claim back charges on my card and was offered £200 of around 700 plus interest I declined this offer.
at the same time I defaulted on my payments and the debt was passed to capquest
I informed capquest the debt was under dispute they investigated and passed the debt back to cap 1
cap 1 then sold the debt back to capquest
capquest have been hounding me for payment since Jan 09 and I just keep responding with the alleged debt is under dispute
my last payment was in april 2008 the default was served in may 2008 so I assume since I have made no further payments nor acknowledged the debt it should be statute barred?
I recently received a letter from drydensfairfax solicitors threatening court action if I did not pay and on Oct 6 received court papers from Northampton
I have acknowledged the court papers online and said I intend to defend all the claim £934.82, I just need some advise on wording as I would like to defend on two points 1, the debt has always been under dispute and 2 it should be statute barred
thanks in advance
