Showing results for tags 'claim defence'.
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Hi, In 1986 I made an application for M&S storecard which was replaced with an unsolicited &more credit card in 2003.In 2008 I got into financial difficulty and entered into a payment plan with M&s until 2010. After 3 years of the m&s merry go round, ,leading to default notices,SAR, letters with the usual s61a,Sch 6 ,s127(3) s51(a) and (b) and reminders of the OFT reprimands, the debt, having passed through numerous DCAs and been assigned to Arrow has finally ended with a Northampton CCBC Claim through Restons. The POC state: The claimant claims payment of overdue balance due from the defendant under a contract between the defendant and Marks and Spencer Financial Services Ltd dated on or about xx/xx/xx86 and assigned to the claimant on xx/xx/2013 in the sum of 5xxxx.xx I have filed AOS disputing full amount and would like some help in preparing the defence. I am considering the CPR 31 14 request letter as an opener to Restons . I note that the claim cites the original chargecard application as the contract. I have never done this before would really appreciate some help with the construction to avoid making any mistakes. Thanks
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Reclaim the right Ltd
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS
The Consumer Action Group
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