Hi,
I received a claim form from the County Court business centre in Northampton. Its originally for money owed to MBNA from 2004. I´m not sure if I can go down the statute barred route as I haven´t kept a good record of who´s been contacting me, I owe to a few more companies and a bank from around the same time. I´ve replied online today contesting the debt(hoping it might be statute barred or they don´t have their paperwork in order(they can´t get hold of the original contract etc)). I´m about to send off the filled in CCA form to the claimants. I´m not entirely sure what to put on the CPR request letter to the Restons the solicitors who are acting on behalf of Arrow.
My query is the date I should put on for filing my defence and what I should put on the Agreement/Contract request.
Another thing is I´ve been ill for the past week or so and have only replied online to the claim court today, this is 15 days after the date of the letter. IE I´ve replied after the maximum of 14 days. I am under the understanding that there are 5 days grace to possibly go on top? Or is this only for postal replies. What I´m asking is, as I´ve gone over the 14 days, the case will be dealt with assuming I haven´t replied.
The last problem is the letters are going to my last address in the UK. I now live temporarily with relations in Spain as I´m not working. I don´t want letters going to my friend who kindly put me up in the UK anymore, so I put No fixed address on the claim form. I didn´t want to include the address here in Spain either as I don´t want my relations knowing of my situation or them getting the same hassles from the various debt collectors. I forgot to mention, the amount I owe is circa 5000. I owe to other cards and banks a total of 22,000.
I don´t know if I should be creating a new post. I´m not familiar with forum etiquette as I don´t often use them, so I apologise in advance if this is wrong.
Thanks
Woody
I received a claim form from the County Court business centre in Northampton. Its originally for money owed to MBNA from 2004. I´m not sure if I can go down the statute barred route as I haven´t kept a good record of who´s been contacting me, I owe to a few more companies and a bank from around the same time. I´ve replied online today contesting the debt(hoping it might be statute barred or they don´t have their paperwork in order(they can´t get hold of the original contract etc)). I´m about to send off the filled in CCA form to the claimants. I´m not entirely sure what to put on the CPR request letter to the Restons the solicitors who are acting on behalf of Arrow.
My query is the date I should put on for filing my defence and what I should put on the Agreement/Contract request.
Another thing is I´ve been ill for the past week or so and have only replied online to the claim court today, this is 15 days after the date of the letter. IE I´ve replied after the maximum of 14 days. I am under the understanding that there are 5 days grace to possibly go on top? Or is this only for postal replies. What I´m asking is, as I´ve gone over the 14 days, the case will be dealt with assuming I haven´t replied.
The last problem is the letters are going to my last address in the UK. I now live temporarily with relations in Spain as I´m not working. I don´t want letters going to my friend who kindly put me up in the UK anymore, so I put No fixed address on the claim form. I didn´t want to include the address here in Spain either as I don´t want my relations knowing of my situation or them getting the same hassles from the various debt collectors. I forgot to mention, the amount I owe is circa 5000. I owe to other cards and banks a total of 22,000.
I don´t know if I should be creating a new post. I´m not familiar with forum etiquette as I don´t often use them, so I apologise in advance if this is wrong.
Thanks
Woody
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