Lowell Solicitors - Notice of Acting - JD Williams

[Martyn1984]

Good evening,

 

Well it hasn't taken them long to issue the Letter of Claim which arrived today.

 

ive got until 10/10/16 to respond to them or they'll take me to court.

 

where do I go from here, I really can't have a ccj on my file with wanting to apply for a mortgage early next year.

 

should I

 

a: send them a CCA request? Does this stops them taking me to court until the documents are provided, is this correct?

 

b: tell them it's statute barred and that as a gesture of goodwill I could pay 10%? Or is this just acknowledging the debt and a stupid idea?

 

how do I defend a claim, I've got no idea what I would write.

 

also could you tell me, if I did go to court and lost, if I paid the balance within 30 days does the ccj not get added to your credit file therefore it would not show on future credit applications? Not that I have that sort of money spare at the same time!

 

many thanks from a very stressed me.

 

Martyn

 

If I send a CCA request do I also send them a statute barred letter at the same time?

 

thanks

[dx100uk]

Good evening,

 

Well it hasn't taken them long to issue the Letter of Claim which arrived today.

 

ive got until 10/10/16 to respond to them or they'll take me to court. - no read it properly it doesn't say WILL anything.

where do I go from here, I really can't have a ccj on my file with wanting to apply for a mortgage early next year.- its SB'd they cant get a CCJ if they were to issue a claimform as long as you defend it with the SB defence.

should I

 

a: send them a CCA request? Does this stops them taking me to court until the documents are provided, is this correct? - no makes no diff

b: tell them it's statute barred and that as a gesture of goodwill I could pay 10%? Or is this just acknowledging the debt and a stupid idea? - you can ack a debt thats SB'd, once SB'd not even a judge can unbar it. if you want to waste money on them be a mug, but i'd rather give it to charity

how do I defend a claim, I've got no idea what I would write. - already answered

also could you tell me, if I did go to court and lost, if I paid the balance within 30 days does the ccj not get added to your credit file therefore it would not show on future credit applications? Not that I have that sort of money spare at the same time! - correct but its SB'd - the claimant cant enforce a CCJ on an SB'd debt, so they dont bother once defended

many thanks from a very stressed me.

 

Martyn

 

If I send a CCA request do I also send them a statute barred letter at the same time? - why send either...you certainly cant or more correctly, its pointless asking for a signed agreement on a debt thats SB'd...trumps everything.

thanks

 

 

a DCA are NOT BAILIFFS

and have no legal powers whatsoever