Mortimer Clarke and Cabot filed for CCJ please help

Anialee13

Hi, its first time for me to deal with something like this and I could really use some help. Just over a year ago I took out credit card with Marbles. When I got into money trouble I maxed it out and they put me over the balance but charging fees for cash transactions. Then on top of that started charging over the balance fees on top of all the other fees. Needless to say I couldn't afford repayments and every months they kept adding these charges. I contacted their customer support quite a few times to point out the adding these charges every month even though they already knew I struggled to pay anything off was against FCA rules and they couldn't do it. Apart from automated responses I never got anything out of them apart from payment reminders and increasing balance.
Anyway because some family issues and then pandemic I completely forgotten about them until I got a letter from Mortimer Clarke saying they will file for CCJ unless I pay. I responded to the letter before the deadline saying that I was disputing part of it for the reasons detailed above and that I would report marbles actions to financial ombudsman ( not realising that I had only 6 months for that). They have completely ignored my response and files claim form anyway. I just logged in online at money claim.gov to file AOS to extend to 28 days. Apart from that I don't know what to do, I don't know how to defend this. I feel I shouldn't have to because I responded to them and got ignored. Now of course they added 130 legal cost on top of it.
Any help would be really appreciated

sourcrates

Hi,

All you can do is follow advice here -

https://legalbeagles.info/forums/forum/legal-forums/court-claims-and-issues