MCOL court claim, I don't know what it's for or anything!

Scigal_2

Hi sorry hope i haven't posted this in the wrong place.

Post just arrived.theres a county court claim from Northampton. Claimant is lower portfolio, on behalf of capital one credit card.

The claim is over £1000. I haven't used a CC in years, I'm am 99% certain i don't owe anything. I have had no letters before action, absolutely,nothing to suggest I would get court papers.

I don't know what to do. My credit rating according to creditexpert is excellent.

Please help

Scigal_2

I don't even understand the mcol form. Contest Jurisdiction

"
You can choose to contest jurisdiction of the claim made against you.
I intend to contest jurisdiction "

What is that?

Little_Miss_Uni-Debt

Was the letter directly addressed to you? Have you ever had a card with Capital One before?

Scigal_2

Hello, thank you for such a quick response, I'm shaking here !

It was address to me directly, I think I had one with them in 2000 when I was a student, it would have been in my maiden name

rizla_king

Ask here how to defend. http://www.legalbeagles.info/forums/forumdisplay.php?251-Lowell-Group-Financial-Debt-Purchase-Specialists

They love beating Lowells on there

Scigal_2

Thank you i will register asap

fatbelly

Scigal wrote: »

I don't even understand the mcol form. Contest Jurisdiction

"
You can choose to contest jurisdiction of the claim made against you.
I intend to contest jurisdiction "

What is that?

You're going to defend the claim.

You can acknowledge service within 14 days and then put the defence in within 28 days.

The clock starts ticking on the 'date of service' which is deemed to be 5 days after the issue date that is on your claim form.

Don't miss the deadlines or you will get a ccj 'in default'

You are basically going to say what you said in post 1:

I haven't used a CC in (13?) years, I'm am 99% (100% is better)certain i don't owe anything. I have had no letters before action, absolutely, nothing - even if I did owe anything it would be statute barred now under the Limitation Act 1980 (OK - I added that last bit)

I'll let the chaps on the other site dress that up a little.

spacey2012

Can you post up : particulars of claim, just type what it says.

magpiecottage

If you have paid nothing and had no communication with them since 2000, you should be able to timebar any claim anyway (i.e. say you deny any debt but it would be too late to enforce anyway).

Scigal_2

I am amazed, i actually have a court hearing set for this! What th heck possible evidnce can they have to actually get this to court. The underhand whatsits!!

fatbelly

Make sure you attend, and be ready to present to the judge your costs for defending the claim.