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Hi
I've being taken to court for non payment of a credit card debt that was originally taken out in 2004. Its a long story but a so called friend recommended a debt management firm that said they could legally challenge the credit card in a Court of Law. To cut a long story short that company has since gone into liquidation and are no longer acting for me. The debt is around £8000 with around £1500 for interest. Other than feeling foolish and naïve I'm now left to try and defend the case on my own with a defence that has already been submitted.
I have a small claims hearing date in a few months time so already quite far down the track. The particulars of the claim are below. (I've redacted/amended some of the info)
The Claimant claims whole of the outstanding balance due and
payable under an agreement referenced XXXXXXXXXXXX and
opened effective from xxSept2004.
The agreement is regulated by the Consumer Credit Act 1974, was
signed by the Defendant and from which credit was extended to
the Defendant.
The Defendant failed to make payment as required and by
Nov2013 a default was recorded. As at NOV/2013 the Defendant
owed XXXXXcreditcard company the sum of £7500
By an agreement in writing the benefit of the debt has been legally assigned to the Claimant effective XXNov2013 and made regular upon the Claimant serving a Notice of Assignment upon the Defendant shortly thereafter. And the Claimant claims:-£7500. Interest pursuant to Section 69 County Court Act (1984) at a rate of 8 % per Annum from xx/NOV/2013 to XXOct2014 of £600 And thereafter at a daily rate of 1.57 to date of judgment or sooner payment.
A CCA letter was sent earlier in the year, what was sent back to me was not illegible and was an inception copy with my signature on. I'd like to include this in my witness statement - as well as a few other points but I'm not too sure how to put it into legal phrases.
What are the main docs to accompany the witness statement for this sort of hearing. Many thanks.
James
I've being taken to court for non payment of a credit card debt that was originally taken out in 2004. Its a long story but a so called friend recommended a debt management firm that said they could legally challenge the credit card in a Court of Law. To cut a long story short that company has since gone into liquidation and are no longer acting for me. The debt is around £8000 with around £1500 for interest. Other than feeling foolish and naïve I'm now left to try and defend the case on my own with a defence that has already been submitted.
I have a small claims hearing date in a few months time so already quite far down the track. The particulars of the claim are below. (I've redacted/amended some of the info)
The Claimant claims whole of the outstanding balance due and
payable under an agreement referenced XXXXXXXXXXXX and
opened effective from xxSept2004.
The agreement is regulated by the Consumer Credit Act 1974, was
signed by the Defendant and from which credit was extended to
the Defendant.
The Defendant failed to make payment as required and by
Nov2013 a default was recorded. As at NOV/2013 the Defendant
owed XXXXXcreditcard company the sum of £7500
By an agreement in writing the benefit of the debt has been legally assigned to the Claimant effective XXNov2013 and made regular upon the Claimant serving a Notice of Assignment upon the Defendant shortly thereafter. And the Claimant claims:-£7500. Interest pursuant to Section 69 County Court Act (1984) at a rate of 8 % per Annum from xx/NOV/2013 to XXOct2014 of £600 And thereafter at a daily rate of 1.57 to date of judgment or sooner payment.
A CCA letter was sent earlier in the year, what was sent back to me was not illegible and was an inception copy with my signature on. I'd like to include this in my witness statement - as well as a few other points but I'm not too sure how to put it into legal phrases.
What are the main docs to accompany the witness statement for this sort of hearing. Many thanks.
James
