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  1. Hi My connection dropped and I didn't see your suggestion for paragraph 2 so had deleted it altogether. Have now submitted the defence without this. I hope it won't matter?
  2. Sorry yes it does say 'and the agreement was terminated. Thanks for your help
  3. I don't have anything at all. I can remember that I stopped paying in 2003 (not sure exactly when) and I started paying equidebt regularly for one of them in Jan 2010 the other in Sept 2008. This is why I think one probably isn't. But then I can't remember when I stopped paying. I will phone them, but I don't even have account numbers! I don't have much time left today to file the defence. What wording do I need to add for the SB element of it? This is what I have drafted so far: I contend the particulars of claim as they are vague and generic in nature. I accordingly set
  4. Would they have that info from 12 years ago? If I took a punt and decided to go for SB on the defence what's the consequences if I'm proved wrong?
  5. Neither are sure as they are so old, I have no paperwork at all, but thinking back one is more likely SB than the other
  6. Sorry, my ignorance. I was a bit confused by that one as it mentioned Lloyds and referred to 3 paragraphs. I assume I just need to adapt it to my case? Also, are you able to advise on the SB issue? Do you think it might be worth adding this even though I'm not 100% sure they are? If they prove I'm wrong would I be a worse situation? thanks
  7. Just not sure how to word all of that? minefield all of this!
  8. Hi I need to file my defence today but not sure whether to include anything about the debts being SB prior to starting to pay equidebt. I'm not sure if they are SB or not? One more likely than the other. If I do include it what do I need to say? Your help is appreciated Thank you
  9. Yes I did all that when I got the claims. Not had anything back except holding letters. I need to file my defence by end of week
  10. Apologies for delay, been searching through old paperwork trying to see what I can find. It looks like one of them, possibly both, were SB before I started paying equidebt. But I'm not 100%. I have no way of checking for sure. Any advice? What's a 'lemon'?
  11. Or the suggestion I already have the information?
  12. Sorry, 29th April not 19th. I'm frazzled!! Yes I'm guessing I can't do the SB even though it's so very old. Thank you so much for your suggested defence response. Is there anything I need to do about the 'nonsense' letters I got referring to equidebt as they just don't make any sense
  13. Unfortunately for me I was paying £5 per month to equidebt until the beginning of this year when they sold it to Cabot, didn't realise.
  14. Thank you for replying Name of the Claimant ? Cabot Date of issue – 29th April 2015 Date of def filing - 1st June What is the claim for – By and agreement between Royal bank of scotland ( ) & the defendant on or around 08/09/1999 ('the agreement') agreed to issue the Defendant with a credit card upon the terms & conditions set out therein. in breach of the Agreement the Defendant failed to make the minimum payments due & the Agreement. The agreement was assigned to the Claimant. The claimant therefore claims 4969.80 Wh
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