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County Court claim form

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County Court claim form Empty County Court claim form

Post by eggnog on Sun May 12, 2019 6:58 pm

I have had several debt collectors over the past four years chasing me for an outstanding debt on a loan I took out from Lloyds which fell into default in March 2015 due to mental health issues, I was off work from February 2015 until January 2016 (apart from two weeks where I returned to work, but was ill again) which was actually brought on mainly by Lloyds taking money out of my account pushing me further into debt ( I had a take home pay of £1200 and my overdraft (which they increased because I couldn't get a loan) was £2500) so I could not clear the overdraft . I have used the old GOODF three letters process with them all, apart from the most recent two (one being PRA group for the overdraft, and the other with Arrow Global for a loan) I also had a credit card default for £990 which I've fended off with the old three letters. PRA took me to court over the overdraft and as I didn't read the claim form properly (if I'm honest at all) and consequently lost by default the £3000 claim. I received another claim form on Friday 10.5.19 that Dryden Fairfax solicitors (acting for Arrow Global) have issued me with.
Is there anything I can do? Also if it involves me sending letters or requiring proof should I ask for an extension on the fourteen days in which I have to reply, could I send it back disputing their claim and if so what could I say to dispute their claim.

Thanks

eggnog
Newb
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