Ok Thanks Michael, I will draft the letter anyway and keep hold of it for when/if the time comes. Thanks

In another similar claim on your forum, someone suggested sending this to the court along with the "Acknowledgment of Service" to the court, Could I send this too??? I am no legal expert, sometimes wish I was. Thanks.

Ok, Thank you I will send the form to the court and also the letter to Christopher Pinnion & Co with the line above omitted. I also find it very strange these guys are only asking for £250???? Once again thanks for your help. I very much appreciate it.

Ok thankyou, I will send off the form, should I send registered?

Cheers, So hold off sending the letter but send the "Acknowledgment of Service" to the court. In the form which box should I tick, I have no knowledge of laws so please help, 1. I Intend to defend all of this claim. 2. I Intend to defend part of this claim. 3. I intend to contest Jurisdiction. Also do I send it to the court address or to Christopher Pinnion? Thanks

Thanks, Right, shall I hang back sending that letter for now?

Thank you Martin, I really appreciate your help, as I might be running out of time

Thankyou for your help. I also find strange it says please send Documents and Payments to a different address???? Thanks

Possibly yes but never at this address, When i was at my ex partners address 3 years ago maybe, I'm not even on the electoral role at my new address. What i don't understand is they are saying I made an agreement which i obviously haven't????

Update: I am thinking of sending this letter as a response to Christopher Pinnion & Co as I found it somewhere else on this site, Would this be a correct reply??? Also what is the correct respone on the "Acknowlegment of Service" to the court based on this response I intend to defend all of this claim or I intend to contest jurisdiction? Please help as i'm worried I only have a certain amount of time. Thankyou.

Hi, Could someone please help, I have received a court letter regarding a debt I had over 5-6 years ago(could be more) in the letter it states I made an agreement, I have not made an agreement, I have not even spoke to this financial institution before, I think the debt is from when I had a Intelligent Finance account and credit card many years ago. I have scanned in the letter for you so you can see what it says. I don't know what to do, I certainly can't afford it. Recently been made redundant Please help. Best Adrian.

Hi, Just Bumping this thread. Anyone know what steps I can take next? Best Ade.

Hi, Sorry for not being clear enough, I do feel the charges were unfair at the time and I'm glad someone agrees. What action can I take? I have offered to make the minimum payment only if the charges are taken off. What can I do to get these charges taken off? Having looked at my statement today, it is now £183 it has nearly doubled my balance since march. Thanks Ade.

Not Enough Funds DD

Hi, I guess no i didn't but I did offer on the last day before my statement. Ade.

I said to them that I am willing to pay the £5 on the day the new statement was due to be generated and they said its too late you now have to pay £29, they declined the offer of £5 and so I didn't make the payment as I was mad about the charges.

Hi I have had the card about 2 1/2 years and can only get access to my last 12 statements which only show the recents charges we are talking about the last time I had charges was 2 years ago.. Thanks for your help. Ade

Yes I have had previous charges too. Ade.

Thanks for replying, The money was supposed to leave my account on the 6th but it didn't, when I looked on the 13th when my capitalone statement was due to be generated I made the call then. I should also note that I lost my job in December last year and have PPI but didn't want to use it as I would lose that card. Ade.

Hi, I have a capital one credit card and owe £157, Back in March it was £85 balance. On the same day my new statement was due I noticed the minimum payment of £5 didn't go through so I phoned them the same day and said I would like to make the minimum payment as I noticed it didn't go through the woman said it was too late and I now need to pay something like £29 as I had incurred the same day a £12 charge and another charge of £12 for going over my £100 limit due to the £12 charge knocking me over, I was mad so I said I won't pay it because I find it unfair that I am also getting charged for going over my limit because of there charge going on. I have left it and not paid anything, everytime they have phoned i have said I will pay the minimum payment but only after the charges have been taken off to which they decline the offer. I have noticed that it has now grown to £157 what is the best action to take? Best Ade.