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swarvsta

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  1. Hi all, I was in the payday loan trap back in 2012. I had loads of payday loans, owing to a gambling addiction. Pleased to say I am clean now and repaid loads of debt. However, I had a £240 'Peachy' Loan and the debt was sold to Motormile Finance and handled by Moriarty Law. They filed a court claim against me, and I made a CCA request. They sent some stuff across, but nothing that I had signed. It went to small claims track, but we never got a mediation arranged. The case was then sent to court, with a date for Monday 20th November. I have been terribly busy with work and had some family issues, and booked today off work to compile some form of defence to take with me on Monday. However, I have just seen that I had to file any documents 14 days before court! I totally did not realise this as not been in this position before. They have said they are not attending court, but placed a case against me. Is there anything at all I can do? This company was supposedly writing off lots of debt for bad practice. I am also certain I could have had this wiped out by the FCA due to their lending behaviour (lending increasing amounts when I could not afford). Any help would be much appreciated. I feel at a loss and feel there is probably no point in even going to court as I will 100% lose now? Just to add, the original loan was £240 and they are claiming £700 now.
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