county court buisness centre claim form

[paulstumps]

Evening
recently i have been struck with credit companies letters saying i owe them money from a lloyds bank credit card, i have not had a credit card for 8 years, i think ihad a lloyds tsb credit card but that was some time ago, i have contacted CABOT finance and asked for history of payment i made to them, they claim i made payment some 5 years ago, i sdont recall, i asked for proof and havenow been sent a county court buisness centre claim form, what options do you thin i have before submitting,
thanks again

[Amethyst]

Re: county court buisness centre claim form

It sounds like you may well have a statute barred defence ( section 5 limitation act ) in that you haven't acknowledged or paid the debt for over 6 years ?

they claim i made payment some 5 years ago, i sdont recall, i asked for proof

They often 'find' a payment just within the 6 years - so you are absolutely right to have asked for proof... and we can carry that request through in your CPR letter request for information.

the basic first steps for a court claim for a credit card debt is here http://www.legalbeagles.info/forums/...it-Court-Claim so have a read of that and we can have a look a bit more in depth to the claim and the debt and see what your options for defending are.