Shoesmith/Arrow claimform - Personal Reserve with M&S account

[Ragazza]

Dear all,

 

I am new to the forum and in a bit of a panic. I just don't know what to do.

 

We have been in a debt management plan since 2008 and so since then I of course have not had any credit. I've had a letter from Shoosmiths and now a Court Claim via Northampton County Court Business Centre about an Overdraft I supposedly had with M&S. I thought this strange as I have never had a bank account with M&S.

 

The Particulars of the Claim actually state:

The claimant claim is for the sum of £4219.76 being monies due from the defendant to the claimant

as a consequence of the defendant incurring an overdraft whilst operating a bank account.

 

 

It says the debt was assigned to them on 30/1/13 and it says they notified me of that but i have no record of that.

I pay another debt to Arrow Global though so I may have received something and assumed it to be part of that.

I just don't know.

 

I did have a Personal Reserve with M&S but this was operated like a loan.

There was not a bank account.

 

 

The sum of the Personal Reserve was approximately £3000 but this has been part of the Debt Management Plan

so I have no idea what this refers to.

 

I sent a letter to Shoosmiths stating I din't know what they were referring to and that if it is true it is a very old debt so queried their legality in asking for it. I think we crossed post with this court summons though.

 

I've said to the court I will defend all of it but I have to write a defence and I don't know how to do that.

 

Can my defence be that I have no knowledge of that account and have asked for them to prove it is genuine?

 

Losing sleep over this and have that awful sick feeling in my tummy.

I don't shy away from my responsibilities and have paid back over £20,000 in debts.

 

I would really appreciate any advice you could give me.

[honeybee13]

Hello and welcome to CAG.

 

Could you look at this forum stikky and provide us with the information please?

 

That will help us to advise.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**%281-Viewing%29-nbsp

 

My best, HB

[dx100uk]

and what happened??