Good morning,
This is my first post on here.
I received a County Court Claim from Northampton dated 4th September regarding an amount of £1569 for a credit card taken out with the Coop in 2005. I have already asked for a CCA back in April 2012 when Lowells first started chasing me. The credit card was in both my married name and my ex-husband's names and this can be seen on the CCA. My husband and I separated in 2006 and I had been making a payment of £30 per month, along with several other credit card debts which he left me with. In March 2008 the divorce was finally settled and as the debt was his debt I did not make any more payments to this credit card. I do not believe he did either as I do not even know his address.
I had heard nothing from Lowells for a while and then at the end of August I received a letter from Bryan Carter stating they were starting court proceedings. I wrote to Bryan Carter claiming I was statute barred, however they wrote back to say the default date is November 2012 and this is the date that is shown on my credit record.
I sent the court an acknowledgement of service which gives me until Monday 6th October. I have been to the Citizen's Advice Bureau (waited for 2 and a half hours to be seen) but I had more knowledge than the advisor.
I am tempted to just pay the money as I don't want a CCJ against my name. If I defend my case using statute barred and the court rejects it - what happens next?
Any advice on what to write on the form would be greatly appreciated as the date is looming and my sleep and health are suffering.
This is my first post on here.
I received a County Court Claim from Northampton dated 4th September regarding an amount of £1569 for a credit card taken out with the Coop in 2005. I have already asked for a CCA back in April 2012 when Lowells first started chasing me. The credit card was in both my married name and my ex-husband's names and this can be seen on the CCA. My husband and I separated in 2006 and I had been making a payment of £30 per month, along with several other credit card debts which he left me with. In March 2008 the divorce was finally settled and as the debt was his debt I did not make any more payments to this credit card. I do not believe he did either as I do not even know his address.
I had heard nothing from Lowells for a while and then at the end of August I received a letter from Bryan Carter stating they were starting court proceedings. I wrote to Bryan Carter claiming I was statute barred, however they wrote back to say the default date is November 2012 and this is the date that is shown on my credit record.
I sent the court an acknowledgement of service which gives me until Monday 6th October. I have been to the Citizen's Advice Bureau (waited for 2 and a half hours to be seen) but I had more knowledge than the advisor.
I am tempted to just pay the money as I don't want a CCJ against my name. If I defend my case using statute barred and the court rejects it - what happens next?
Any advice on what to write on the form would be greatly appreciated as the date is looming and my sleep and health are suffering.
Lowells / Bryan Carter old Coop credit card
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