I am sorry to keep asking questions but it is now asking me if i want to make a counterclaim? Do I select yes or No? Thanks again

Thanks again

I have logged on to defend the claim and it is asking me : Please state your defence in a maximum of 122 lines, it won't let me pass the page. Do you know what I need to add in this box? Thanks again

Thanks Stigman that's really helpful, I appreciate you taking the time to reply to my post I have followed the link and answered the questions below - can you let me know if this changes anything Name of the Claimant - CABOT FINANCIAL (UK) LIMITED Date of issue – 2nd March 2015 Date of issue 3rd April What is the claim for – By an agreement between Argos card services Ltd (ARG) & the defendant on or around 19/06/2002 (the agreement) ARG agreed to issue the defendant with a credit card upon the terms and conditions set out therein. In breach of the agreement the defendant failed to make minimum payments due & the agreement was terminated. The agreement was assigned to the claimant therefore claims £771.75 What is the value of the claim? 901.75 with court costs £60 and solicitors fees £70 Is the claim for a current account (overdrafticon) or credit/loan account or mobile phone account? Store Card When did you enter into the original agreement before or after 2007? before 2007 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. - Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes Why did you cease payments? 2006 or before What was the date of your last payment? not sure but over 6/7 years ago at least Was there a dispute with the original creditor that remains unresolved? yes i still owe the money Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No

I am in need of some advice if anyone can help I have received a Claim form about a debt from 2002. I took an argos card out and had difficulty paying. I just ignored letters at first as I was not in any financial position to pay ( probably not the best idea) I have made no payments or contact with anyone about this debt for at the very least 6 years. I even checked with Experian and my credit history was clean. I just thought it went away so when i was in a position to pay didn't contact them. Yesterday I received a Claim form from the County court and I am not sure what to do. It states By an agreement between argos card services Ltd (ARG) & the defendant on or around 19/06/2002 (the agreement) ARG agreed to issue the defendant with a credit card upon the terms and conditions set out therein. In breach of the agreement the defendant failed to make minimum payments due & the agreement was terminated. The agreement was assigned to the claimant there fore claims £xxxx. I have read about this statue barred but not sure if this applies now because of the Court Claim. Any help and advise how to deal with this would be a great help Thanks

Thanks

Sorry I meant Equita! I have been reading through the forums and have read that bailiffs are only allowed to charge you certain fees. I wondered how you would be able to go about checking if you had been over charged and if you could claim back any card handling fees. In 2006 I was having trouble paying my council tax and I was put onto equita to collect the money I owed. I had asked them for a list of what I had paid as I thought I had paid too much. when they sent me the list. The charges were as follows 23.03.06 - £22.50 27.03.06 - £16.50 05. 06.06 to 27.09.06 - £5.70 card handling fee for payments made over the phone 02.10.06 - £40 levy fee and £150 attendance charge £11 card handling fee Am I able to claim anything back from them. I appreciate any help