Thanks for help , will keep you posted on how i get on.

Hi, looking for some help please. I recieved a summons on 14th July that 1st credit were taking me to court over an old Associated credit card. I sent their solicitors a request for information letter (by special delivery I have the electronic receipt), but received nothing back from them. I returned the form to court on the return day stating that i wished to defend this action, but having received no information I could not file a counter claim at this time, but would like to retain the right to do so. Situation is now I am due to go to court on Friday, and have no information, and no idea what to do or say. Any help greatly appreciated.

Hoping someone can offer some advice. I received a summons on 21 July that first credit are taking me to court regarding an old Associates Credit Card. I sent a request for infomartion letter to their solicitors (by special delivery, hae printed electronic receipt), but received nothing back from them. I returned the form to court by the return date stating that I wish to defend this action, but have not received any information from creditor to make a counter claim, but would like to retain the right to do so when the information made available. So position I am in is have got court on Friday, and haven't got a clue what to do or say. Please help!!!!!

Shameless BUMP, HELP!

Hi to all I have started a thread in the legal issues regarding Associates or Should I say 1st Credit taking me to court, and looking for any guidance. I have seen lots of useful letters and advice on here, however I'm in Scotland where I'm pretty sure things are a bit different. Any advice greatly appreciated!!!!!!!!!!!!!!!!!!!!

Sorry to go on a bit, but i should state maybe, that i want to avoid at all costs having a CCJ, or the scottish equivalent, registered, as i have made significant steps at clearing my credit file, and this would obviously set me right back.

I have sent a request for information letter by special delivery on 21st July, and to date have had no reply. I was wondering what my next step should be, bearing in mind I am in Scotland. Just to state, if it helps, I have NEVER received a default letter by recorded delivery, or a copy of the notice of assignment of the debt either. Being honest, my credit file was a mess, but over the past 18 months i have been making regular monthly payments to all my creditors, or so i thought, and the first i heard of this was when sheriff officers came with summons. Also, this credit card had a limit of £1000, so where they can claim i owe over £1800 is beyond me.

Hi to all, looking for some advice. I received a visit from Sheriffs Officers handing me a Form of Service as follows : Court Ref No 1st Credit Finance Limited, Address, Pursuers against Myself, Defender. Date 14 July 2008 Myself, Defender, you are hereby served with a copy of the attached summons. Small Claims Summons 1 Court Name 2 1st Credit Finance 3 Myself 4. The pursuer claims you owe the sum of £1845.74 (details following) and the pursuer claims interest onthat sum at the rate of 8% annually from the date on which the summons was served on you until payment. and the pursuer also claims from you the court expenses 5. Solicitor 6. Return day 08/08/2008 Calling day 15/08/2008 The oursuers carry out business, inter alia, as a debt purchasing company who have a place of business at address. By notice of Assignement dated 31st December 2004 a third party namely, The Associates (Card Prime) transferred all of its right, title and interest in the Defenders account for financial services to the Pursuers, for which there is a total balance due and resting owning by the Defender in the sum of £1845.74, as at 02/07/2008 which is the sum sued fo. The Pursuers and The Associates (Card Prime) entered into a debt purchasing agreement in terms of which The Associates (Card Prime) sold their debts to the Pursuers. The Defender has refused or at least delayed to make payment of the said sum due. This action is accordingly necessary. The defender resides at ADDRESS. The Defender has been resident therer for more than three months immediately preceding the raising of this action. The nature and circumstances of the Defenders residence indicate that he has a sunstantial connection with Scotland. This ground of jurisdiction of the court is the domicile of the Defenders in terms of Section 41 (or Section 42) of the Civil Jurisdiction and Judgements Act 1982. This court accordingly has jurisdiction.