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I have recently been issued with court papers for a debt with cap1 via lowell/bryan carter which I am sure is statute barred. However I have today (26.05.2015) looke at my credit rating and a default has appeared on my account from Lowell stating it was defaulted end of June 2009? No payments/correspondence have ever been had with lowell and the cap1 debt/default wasn't previously listed? concerned as to how they can add this seeing asIi never had any dealings with them directly and seems suspiciosu it appears just as they now issued court proceedings? any advice on how to deal with this? Thanks!
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SHORTCUTS
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Directions Questionnaire
If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.
NOTE: If you receive a court claim note these dates in your calendar ...
Acknowledge Claim - within 14 days from Service
Defend Claim - within 28 days from Service (IF you acknowledged in time)
If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.
We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
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