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Claim form rcvd. Can I argue interest?
Sal2sing
Posts: 1 Newbie
Hi
I have received a claim form today relating to Skycard/Barclaycard debt.
A little history... In 2008 I started a DMP to repay all my debts. All of the cards, except Skycard, kindly froze interest whilst I was paying regular monthly payments. Unfortunately, at the end of 2012, just five months before I would have been completely debt free, my partner lost his job and I had to write to all my creditors and tell them I could no longer afford to continue paying.
I have receive a County Court claim form today relating to the Skycard debt (now Barclaycard) and they are trying to claim £2139 from me. Only £460 actually relates to my original debt, all the rest is interest the Skycard continued to charge me.
Can I argue the difference? I know card companies don't have to freeze interest but all the others did!
Any advice would be greatly appreciated.
Incidently, my partner now has a permanent job and we were just about to start paying them all again.
I have received a claim form today relating to Skycard/Barclaycard debt.
A little history... In 2008 I started a DMP to repay all my debts. All of the cards, except Skycard, kindly froze interest whilst I was paying regular monthly payments. Unfortunately, at the end of 2012, just five months before I would have been completely debt free, my partner lost his job and I had to write to all my creditors and tell them I could no longer afford to continue paying.
I have receive a County Court claim form today relating to the Skycard debt (now Barclaycard) and they are trying to claim £2139 from me. Only £460 actually relates to my original debt, all the rest is interest the Skycard continued to charge me.
Can I argue the difference? I know card companies don't have to freeze interest but all the others did!
Any advice would be greatly appreciated.
Incidently, my partner now has a permanent job and we were just about to start paying them all again.
0
Comments
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Afraid what your other creditors did with regard to freezing interest has no impact on the Skycard.
If the interest was contractually due, you don't have a defence against it in the court claim - from what you have said.
They will also be able to claim interest on the judgement debt at 8%, which will probably be pleaded on the claim form?
Sorry.0 -
as the origional agreement was broke, im afraid its dueDon't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0
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