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Hello I'm after some advice
i have a court date set for the 23rd of this month for a car finance debt I took out in October 2007, the car got written off in the December of that year and the account went into default due to me not paying in the January. I made no contact with the company from that date even though they sent letters after letters to my parents home. I recently received ccj papers from Brian carter solicitors saying they want to take me to court. I sent all the relevant paper work etc claiming this is statue barred etc and also requested a copy of my credit agreement and any relevant documents. They have now got back to me with this paperwork and everything looked as I thought until I noticed they highlighted a payment of £1 in April 2009, I checked online with my bank and there it was £1 payment. I do not know how this payment was made as from that day I made no contact with any company regarding this debt. Is it possible they still had my bank details? My question is am I completely stuck in trying to defend myself in the court, could I not ask how they come to get that £1 payment 16 months later. Any help would be much appreciated
i have a court date set for the 23rd of this month for a car finance debt I took out in October 2007, the car got written off in the December of that year and the account went into default due to me not paying in the January. I made no contact with the company from that date even though they sent letters after letters to my parents home. I recently received ccj papers from Brian carter solicitors saying they want to take me to court. I sent all the relevant paper work etc claiming this is statue barred etc and also requested a copy of my credit agreement and any relevant documents. They have now got back to me with this paperwork and everything looked as I thought until I noticed they highlighted a payment of £1 in April 2009, I checked online with my bank and there it was £1 payment. I do not know how this payment was made as from that day I made no contact with any company regarding this debt. Is it possible they still had my bank details? My question is am I completely stuck in trying to defend myself in the court, could I not ask how they come to get that £1 payment 16 months later. Any help would be much appreciated
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