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Capquest and MBNA

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  • #46
    Re: Capquest and MBNA

    ok so this claim is for much the largest of your debts. You may as well see if it is possible to successfully defend the case. If you lose, then you should probably take some debt advice, but from what you have said a Debt Relief order could be appropriate - this is a form of insolvency but it's cheaper and quicker than bankruptcy.

    Comment


    • #47
      Re: Capquest and MBNA

      Hi
      As far as I can see you have had no claim so defending the case is not really where you are right now.

      Hopefully if you play this correctly it never will get to court but if it did, and it looked like you would lose a DRO is a possibility although it may make it difficult to repay family (at least in the short term and I know how difficult that prospect can be)
      @Debt Camel and myself have a fundamental difference of opinion on how many cases actually get to court - I believe managed correctly many cases can be avoided - particularly older ones and I am hoping

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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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