County Court Claim From Restons ( Advice Needed Please )

[bluepip77]

I received a CCJ claim yesterday from Restons Solicitors on behalf of debt managers Services LTd.

It's apparantley for a Next directory account back in 2009 or around 2009 as they say.

It's only for £56 but they have now added £50 legal cost and £25 admin fees, so it's now a total of £133

Now I have a few concerns here and would be very grateful if someone could advise me.

Firstly, There is a default on my credit file from next which was recorded about 5 years ago, however I actually thought I payed this original £56 of in three installments some years ago to another debt company. I can't remember who it was so I suppose that's an non issue here and I need to act as though it wasnt. Also I may be wrong.

So I have acknowledged the claim online.

I have sent cca request to claiment and CPR request to solicitors

When do I fill out my defence? Do I wait until they send me the information I requested or do i do it now or next few days.

I have to concerns, one is I thought I had payed it before, but no proof, the other is that I want to be certain that they have the right to chase me up on this debt.

I dont want a ccj on my credit file as my score is slowly improving.

I know it's only a small amount but it's still a lot of money to me.

So, what happens next?

I would really appreciate some advice please.

Thankyou

Billy

[bluepip77]

Please delete this post above as it was posted in the wrong forum by mistake.

I have posted a copy in the correct forum.

Thanks

[jaguarsuk]

Hi Billy

Welcome and you have done the first few steps correctly.

When do I fill out my defence? Do I wait until they send me the information I requested or do i do it now or next few days.

You have 33 days from the date on the claim form to file a Defence, so use the Check dates to figure out your deadline.

I have to concerns, one is I thought I had payed it before, but no proof, the other is that I want to be certain that they have the right to chase me up on this debt.

Send a Subject Access Request Letter to the bank you were banking with at the time asking for statements of your accounts for the period you think you made the payments.

I dont want a ccj on my credit file as my score is slowly improving.

I know it's only a small amount but it's still a lot of money to me.

So, what happens next?

Next you file a defence, then you will have the opportunity to take part in mediation which if you come to an agreement is legally binding and not a CCJ.