Hi,
Could someone help me please? , complete noobie questions below:-
I've been out of the country and been sent a claim form from the County Court Business Centre for a claim from a 10 year old Halifax credit card debt for £1600 plus £105 court fee and £80 legal representative costs.
I have been receiving calls from these people but i just thoiught they were PPI calls.
This claim form was sent on 6th April (I flew abroad 7am that day) but i've logged onto the portal (22nd April) and filled in the AOS form to extend, i'm not sure if this will still be possible to do?
I may have paid small payments to this debt a long time ago but to be honest forgotten about it, got my credit score back up high and then this lands through my door, i really don't want a court judgment on my credit file.
The debt doesn't even show on my credit reports from various agencies. I'm not even sure about how much the original debt was and how much credit was put onto it etc.
Could someone help me please in the reply to the court or give me any pointers/online helpers?
I really believe that this debt could be Statute Barred.
Any help would be greatly appreciated, my main concern is not to get a mark on my credit file and I really don't want to pay a DCA the full amount but would consider a part payment.
I'm not even sure if it's gone past that stage that I cannot offer part payment out of court?
Thanks in advance x