FD overdraft no agreement NOW COURT PAPERS

[Harrassed09]

Hi all

 

I have been away for a while but return now with an N1 on behalf of HSBC

 

Story to date Oct 2008 FD closed our accounts with insufficient notice strangely just after receiving my (yet to be satisfied) SAR/CCA requests

 

I successfully reclaimed bank charges a,d FD would only pay these to my mortgage account which was in arrears at the time

 

They have furnished an application for an overdraft pertaining to our old account but nothing related to the overdraft they produced from merging various current accounts - they did not put this in writing

 

Now i have received court papers today but as I am now living overseas they arrived almost too late to respond within 14 days of service ie dated 1 september so 19th by my calculations is th elatest I can respond

 

They caused me so much heart ache and indeed contributed to my mental breakdown that autumn, holding my accounts and salary to ransom up until Christmas when they released my salary only on the proviso that i make repayments they set, I agreed verbally but never in writing as the claims were incorrect

 

I am highly medicated and I know I should be so stressed by this but it won't help, I have moved overseas to reduce such stresses

 

What should I do, the sum is £2758 which I cannot afford but am concerned that this will entice them to revisit my credit card balance with them, again no CCA and no communication for many months.

 

My recent move overseas was communicated to them, am I cynical but exactly 1 month later they issue an N1 to my old address

 

Any help gratefully accepted, I do not want a CCJ if at all possible but this is now very worrying

 

Many thanks in advance

 

Ever more Harrassed

[Harrassed09]

Any takers

 

now very panicked as the deadline for acknowledging the court papers is this weekend

 

does anyone have any ideas?

 

 

Thanks

[postggj]

To start with you need to acknowledge the claim by stating you will be defending in full

 

that will give you an extra 14 days

 

is this claim from northampton

[Harrassed09]

Many thanks!!

 

Yes it is from Northampton

[postggj]

You can acknowledge the claim online

 

you will have a password on the claim form

 

this will give you some breathing space so we can thenm get all the facts

[Harrassed09]

Sorry to be thick, but do I let them know I am now overseas ie in Ireland?

 

Thanks

 

Harrassed