We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Summons received - Sar or CCA?

8i6daddy · 2015-05-18 20:22:07

Hi all, I have received a Scottish court summons for small claims for an old Vanquis debt taken out in 2006 for the sum of £1625 In May 2009 I became unemployed, which lasted 12 months, until I found a place on a work programme which lasted 6 months until Jan 2011. I was then unemployed again for 2 years until Mar 2013. I…

Comments

sourcrates Posts: 32,221 Ambassador

18 May 2015 at 10:01PM

8i6daddy wrote: »

The only communication I have is from Nolans Solicitors who are acting on behalf of their client Cabot Financial. It does state on an attached note on the summons that all communication should go via Nolans. Shall I send the SAR with a blank Postal Order to Nolans then?

You first need to respond to the court within the timeframes specified, if you acknowledge service online, that gives you 28 days in total to file your defence.
I would go for the statute barred defence, I think a CCA request would be more beneficial than a SAR for the time being, but chances are you will not get a response before you have to enter your defence.

I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
0