"There will normally be a fee" I have to pay to dispute jurisdiction? Hardly seems fair.

Hmm. So if I understand correctly I just need to write to the court?

OK, my AOS confirmation says. If you do not file an application to dispute the jurisdiction of the court within 14 days of the date of filing this acknowledgment of service, it will be assumed that you accept the court’s jurisdiction and judgment may be entered against you. And I don't know how to file an application to dispute. HELP.

Not sure what AOS is. Sorry. OOPS. Just realised. :/

Filling in acknowledgement now.... not sure if I should click Dispute Jurisdiction.... since alleged debt took place in Scotland. Added: going to dispute anyway. I'm sure they'll put me right if I'm in error.

OK, all new to this so bear with me. Had a credit card with Vanqis. I eventually got fed up of their charges and after several arguments finally disputed everything with them. When they wouldn't play fair, I finally stopped paying them. Disputed account then sold on to Lowell. I have now received a claim form, initiated by Cohen Cramer on behalf of Lowell. Before I fill in the details from the sticky, there is one other complication. The card was taken out in Scotland. But I am now in England. I assume that English law now applies? Or should it be Scottish? I have no problem attending court in Edinburgh if necessary. Obviously I'll be defending. Morally, I would have had no problem paying off the card if Vanqis had been fair. Since I was left with non payment as a last resort, I don't have a problem now with trying to wriggle out of this if a lawful means is available to me. As far as I'm concerned, they've trashed my credit file for long enough. I'm damned sure I'm not going to lose any sleep over trying to fight their trashing it for a further 6 years. So what I guess I'm trying to say is, anyone trying to tell me, I ran up a debt so I should pay will simply get ignored. Now to the claim stuff... Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue – 7 Dec 2015 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - 9 Jan 2016 ( I think that's right if I understand the above) - yes but thats a w/end so file by 4pm Friday the 8th - dx What is the claim for – the reason they have issued the claim? 1.The claim is for the sum of £2766 due by the Defendant under an agreement regulated by the Consumer Credit Act 1974 for a Vanquis account with a reference of xxxxxxxxxxxxxx 2.The defendant failed to maintain contractual payments required by the agreement and a Default notice was served under s.87(1) of the Consumer Credit Act 1974 which has not been complied with. The debt was legally assigned to the claimant on , notice of which has been given to the defendant. (NOTE: No date was entered here) The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per anum from the date of assignment to the date of issue of these proceedings in the sum of £221. The Claimant claims the sum of £2987 What is the value of the claim? £2987 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? After (I think) Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? Not as far as I remember. I THINK the first I knew was an email from a debt collection agency. I'll have to check to see if I still have emails. Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Vanquis trashing my credit file due to disputed default charges, so I decided to force them into defaulting me to stop the 6 year clock. What was the date of your last payment? About 3 years ago. Was there a dispute with the original creditor that remains unresolved? Yes. Unlawful charges. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No Just going to see what I have to do now to start the ball rolling.