Decree despite acknowledgment of no credit agreement???

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Decree despite acknowledgment of no credit agreement???

17th July 2019, 10:07:AM

Hello,

in june my elderly mother received a court letter for a vanquis credit card she had a few years ago. It had been through Cabot then Nolans solicitors before court procedings. Found some very helpful info on here suggesting i ask for the signed credit agreement, which i did. Received a lovely letter from cabot saying they could not find it and that the claim was unenforsable. This was dared 21 June (well after the deadline i gave). She then received a letter from Registry trust saying a decree had been awarded against her for the full amount?!? What now? Any advise is greatly appreciated

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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 Â£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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Decree despite acknowledgment of no credit agreement???