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Help with court papers
Magjim
Posts: 1 Newbie
I have just been given papers from sheriffs office from capquest for a debt I owe from 5 years ago what should I do
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Comments
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I have just been given papers from sheriffs office from capquest for a debt I owe from 5 years ago what should I do
Well, first we need far more detail (And probably best to start your own thread).
1: What is the claim for, value, creditor etc?
2: As you're in Scotland, the Limitations Act is 5 years from last payment or acknowledgement. Has it been 5 years since you last paid anything on this debt? If so, you have a legal defence.
3: Talking about defences, is the debt CCA regulated? (So no to things like Overdrafts, Utilities, Taxes and Mobile Phone contracts), if yes, have you either sent, or have been given the CCA agreement to prove the debt?
4: The papers received, what date must you reply by?
In debt and looking for help? Look here for the MSE Debt Help Guide.
Also, If you need any free and impartial debt advice, the National Debtline, Stepchange, and the CAB can help.0 -
Moved to new thread.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-letter0
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