Defaulted on overdraft now being taken to court by 1St credit

[llangmannotaniam]

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

[nemesis45]

Re: Defaulted on overdraft now being taken to court by 1St credit

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

Good evening, welcome to LB.

Question from our side.

1, You have received a County Court Claim Form ? When? Have you acknowledged service of the claim? Have you entered anything in defence online?
Legal Beagles does not condone debt avoidance if there is a lawful reason why the debt is unenforceable we can help.
Please tell us when the claim was issued.

Exactly what you have done and said online.

nem