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I have received letters from Bryan Carter with regards to 2 outstanding credit card debts ( Aqua, Capital One ). The Aqua card debt does not show on my credit file but the Capital One debt is registered on my credit file via Lowell. The capital One debt defaulted in Nov 2007 for £ 419 but I have been taken to court for the amount of just over £700. I received the letters on the 28th and court proceedings were also issued on the 28th. Up until July last year I was paying token payments on all of my debts but was advised to stop this by the money advice trust because I don't have enough to cover priority debts. How should I defend these claims and how should I reply on the court forms? Any help appreciated.
