Hello everyone
Just joined so sorry if I'm breaking any etiquette by posting.
So I'm being taken to court for defaulting on an overdraft in 2012 the debt has been sold to debt collectors called 1St credit. I ignored letters for year now I'm trying to deal with it. If I wasn't struggling so much for money I'd pay at least half of it but since there money making pros I don't feel any moral objection to trting to get out of it.
I've responded online asking for more time and have so far been bewildering myself with all the online info
I want to know what my beat possible defence could be. I'm aware it will cost me more to defend the claim if I lose and that's quite worrying
Question time
1- Does the debt collector have to prove the debt
If they can't do I not have to pay?
2- how can I ensure I don't pay the debt without risking paying more
3- how would I word my defence to try wriggle out of it without incriminating myself
Thanks for any help in advance and sorry for messy message still not got my head around all this yet
Just joined so sorry if I'm breaking any etiquette by posting.
So I'm being taken to court for defaulting on an overdraft in 2012 the debt has been sold to debt collectors called 1St credit. I ignored letters for year now I'm trying to deal with it. If I wasn't struggling so much for money I'd pay at least half of it but since there money making pros I don't feel any moral objection to trting to get out of it.
I've responded online asking for more time and have so far been bewildering myself with all the online info
I want to know what my beat possible defence could be. I'm aware it will cost me more to defend the claim if I lose and that's quite worrying
Question time
1- Does the debt collector have to prove the debt
If they can't do I not have to pay?
2- how can I ensure I don't pay the debt without risking paying more
3- how would I word my defence to try wriggle out of it without incriminating myself
Thanks for any help in advance and sorry for messy message still not got my head around all this yet
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