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Hi
I recently received a claim form from Northampton County Court for an old Credit Card debt with HSBC for £1,983 which defaulted in, would you believe, November 2010. That's right, I ignored all attempts to recover this debt for 6 years and just when I think the slate's about to be wiped clean, the b*******s land me with this.
I'm trying to find out from Experian the actual date of my last payment to HSBC, but i BET it was the end of November and as they've already started court proceedings against me JUST before that then bye bye statute barred. Unbelievable.
So anyway, I filled out the claim form and sent it back within the 14 days stating I wished to contest the entire claim, I used a generic defense letter which I took from this website, (rightly or wrongly) and I've attached that to this post.
I also wrote to Restons with a CPR18 request, also attached.
This all went off on Monday of this week, so I relaxed a bit, thinking that could be the last I hear from them. NOT so - I received a response within 3 DAYS. I've attached their response as an image (sorry I didn't have time to type the whole thing out) but they've basically turned it back on me saying the information I've requested is unreasonable, I didn't previously write to them to request particulars of the claim, and I quote "In view of the above and as it is the claimant's position that all relevant documentation relating to your account has been previously provided to you, we view your letter as merely an attempt to obstruct these proceedings and we are not agreeable for an extension of time for you to file your defense"
I've know idea where to go from here, I'm way out of my depth and they've clearly got someone to respond who really knows what they're talking about.
I must avoid a CCJ at all costs. I've finally got to a stage where this and a lot of other debts have been written off / disappeared / paid etc and this will completely ruin my chances of getting my first mortgage at the grand old age of 35.
Should I ignore them and just wait and see what the court say? Even though I've asked them for information which they apparently don't need to provide - surely some of it is relevant therefore they're still legally obliged to provide it?
Many thanks
I recently received a claim form from Northampton County Court for an old Credit Card debt with HSBC for £1,983 which defaulted in, would you believe, November 2010. That's right, I ignored all attempts to recover this debt for 6 years and just when I think the slate's about to be wiped clean, the b*******s land me with this.
I'm trying to find out from Experian the actual date of my last payment to HSBC, but i BET it was the end of November and as they've already started court proceedings against me JUST before that then bye bye statute barred. Unbelievable.
So anyway, I filled out the claim form and sent it back within the 14 days stating I wished to contest the entire claim, I used a generic defense letter which I took from this website, (rightly or wrongly) and I've attached that to this post.
I also wrote to Restons with a CPR18 request, also attached.
This all went off on Monday of this week, so I relaxed a bit, thinking that could be the last I hear from them. NOT so - I received a response within 3 DAYS. I've attached their response as an image (sorry I didn't have time to type the whole thing out) but they've basically turned it back on me saying the information I've requested is unreasonable, I didn't previously write to them to request particulars of the claim, and I quote "In view of the above and as it is the claimant's position that all relevant documentation relating to your account has been previously provided to you, we view your letter as merely an attempt to obstruct these proceedings and we are not agreeable for an extension of time for you to file your defense"
I've know idea where to go from here, I'm way out of my depth and they've clearly got someone to respond who really knows what they're talking about.
I must avoid a CCJ at all costs. I've finally got to a stage where this and a lot of other debts have been written off / disappeared / paid etc and this will completely ruin my chances of getting my first mortgage at the grand old age of 35.
Should I ignore them and just wait and see what the court say? Even though I've asked them for information which they apparently don't need to provide - surely some of it is relevant therefore they're still legally obliged to provide it?
Many thanks
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