Andy This is what I offered as my defence. 1. I deny that I owe this amount. 2. The claimant has not furnished with me with any information in relation to this claim. 3. I challenge the right of the claimant to bring this claim against me. I have the notice from the court to apply to set it aside. The deadline for that is today as it gives you seven days or they can enter judgement. I need to complete form N244 and send with a fee of £80 by 4pm today 1st June. I have the following thoughts on this. 1. The debt (credit card) has been sitting with the bank for so long and they have done nothing with it. The bank account was little used and this debt just set there in the background and I think it may have been over 6 years. Any mileage there. 2 The bank account is in joint names but I can't recall if the credit cards were in joint or singular names. The claim is only issued against me. 3. This is abuse of the legal process?? Any other items you can think of?? A prompt response would be appreciated. Regards Rayin

Hi Andy My situation is the same as factor 59. Sigma issued court claim in the same way for £299 + costs for a debt of about £1300 I decided to defend it and sent what the court regards as a denial and not a defence. What do I need to do to make it a defence? Please advice. Rayin Repeat of what I sent you. Please advice

I have had exactly the same; even the claim form is the same. Please let me know what the outcome is and whether they are still going to persue you for the capital amount. They are upto something.