I have an options hearing in a Scottish Court in 2 days for credit card claim of £7500 and am now in a panic. I defended claim and then sent my defence by email. Just discovered this should have been posted recorded delivery. I had sent a cca request to Cabot in May before receiving writ to which I did not receive a reply, i then sent a letter saying account was in dispute. I am planning to say in court that I do not remember having this credit card as I do not remember having one with that limit and I do not believe Cabot have the paperwork as this has already been requested and if they had sent it previously I would have made arrangements to pay with no court action required. Can they win this on default or do they still have to provide proof of debt to court.
Your advice would be much appreciated.
Your advice would be much appreciated.
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