Hi guys
I really need your help.....
I have come back from holiday after 3 weeks in the sun to a court claim dated 27th July. I have acknowledged the claim online today just in time :tinysmile_hmm_t2:.
The claim is from Restons solicitors for their client marlin. It is related to a current account from Lloyds for £1900 which was closed 4 years ago.
I stopped paying Marlin 4 months ago after reading that debt collectors don't have paperwork for the debts that they are collecting for and maybe unenforceable :tinysmile_cry_t:. I did write to Marlin on several occasions to provide for proof of debt. For 3 months no proof was provided.
Marlin have recently provided me with statements of the account and notice of assignment.
I did do a SAR request with the £10 fee to Lloyds Bank. The statements I received show £600 worth of bank charges and interest. Surprised as I requested them to freeze interest and charges due to financial difficulties. Plus they were unable to provide a copy of a default notice as I did not receive this originally.
Can somebody advise if I should defend or try and settle out of court?
My concern is that I am a homeowner and they could get a charging order due to this £1900 debt?
The Particular of claim
The claimant claims Payment of the overdue balance under a contract between defendant and Lloyd bank Plc dated on September 2004 and assigned to claimant on October 2014. The default date and balance and the account number and sort code.
I really need your help.....
I have come back from holiday after 3 weeks in the sun to a court claim dated 27th July. I have acknowledged the claim online today just in time :tinysmile_hmm_t2:.
The claim is from Restons solicitors for their client marlin. It is related to a current account from Lloyds for £1900 which was closed 4 years ago.
I stopped paying Marlin 4 months ago after reading that debt collectors don't have paperwork for the debts that they are collecting for and maybe unenforceable :tinysmile_cry_t:. I did write to Marlin on several occasions to provide for proof of debt. For 3 months no proof was provided.
Marlin have recently provided me with statements of the account and notice of assignment.
I did do a SAR request with the £10 fee to Lloyds Bank. The statements I received show £600 worth of bank charges and interest. Surprised as I requested them to freeze interest and charges due to financial difficulties. Plus they were unable to provide a copy of a default notice as I did not receive this originally.
Can somebody advise if I should defend or try and settle out of court?
My concern is that I am a homeowner and they could get a charging order due to this £1900 debt?
The Particular of claim
The claimant claims Payment of the overdue balance under a contract between defendant and Lloyd bank Plc dated on September 2004 and assigned to claimant on October 2014. The default date and balance and the account number and sort code.
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