LC Asset 2 S.A.R.L money claim on unenforceable debt

Faye449

Good afternoon,
Trust everyone is well :-)
Question pls- I have received the attached Claim Form regarding a very old Barclays debt and wanted to double check what my response should be before I say the wrong thing.

In July 2022 I asked Link Financial to supply the original credit agreement and they confirmed that they were unable to do this in August 2022, (also attached) that they acknowledged the debt was unenforceable but they would continue to try and collect.
I stopped paying them immediately, have received various automated letters and texts asking for money over the years but have ignored them all.

My instinct is to respond to the money claim via the defence form and dispute it basically saying that its unenforceable as they are unable to comply etc but that seems too easy- am I walking into something I am unaware of?

fatbelly

Of course you must defend it.

Don't miss the timescales

It is deemed to be served 5 days after issue date and you must defend or acknowledge serivce (buying another 14 days) by 14 days after that

Template defence is

https://legalbeagles.info/library/guides_and_letters/court/example-defence-for-consumer-credit-court-claims/

You may need to register to see it

sourcrates

Remember you are defending the legal position here, and you have a document sent by them saying the debt is unenforceable, and that should form your defence to the claim.

Faye449

fatbelly said:

Of course you must defend it.

Don't miss the timescales

It is deemed to be served 5 days after issue date and you must defend or acknowledge serivce (buying another 14 days) by 14 days after that

Template defence is

https://legalbeagles.info/library/guides_and_letters/court/example-defence-for-consumer-credit-court-claims/

You may need to register to see it

Thank you @fatbelly that template link is perfect, I'll respond online over the weekend.

Faye449

sourcrates said:

Remember you are defending the legal position here, and you have a document sent by them saying the debt is unenforceable, and that should form your defence to the claim.

Thanks @sourcrates