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just had a CCJ isued against me
hi guys, so i received a letter from the courts about a credit card debt with capital one, its lowell who claimed it and i need some advice, im pretty sure the debt is statute barred as in i have not ackowledged the debt or paid longer than 6 years ago, the last time i paid was a token payment that was longer than 6 years ago
so my question is can i defend this claiming its statue barred, bearing in mind i have 14 days to try figure this all out, i have no idea what steps to take next any help woulds be very greatfull.
so my question is can i defend this claiming its statue barred, bearing in mind i have 14 days to try figure this all out, i have no idea what steps to take next any help woulds be very greatfull.
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Comments
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Hi,
Firstly, you should really of posted this in the defreewannabe section of the forum, not loans, you will get more responses.
Second, statute barred is a full defense to any court action, so yes of course you can use it as a defense.
You dont have to prove anything, they do.
More info here :
http://legalbeagles.info/forums/forumdisplay.php?105-Received-a-Court-ClaimI’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-letter0 -
ok thx for youre time, much appreciated, should i just start a new thread ? cou8ld a mod then please close this thread as ive created a new one in the correct forum. thx.0
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