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Hi, Sincerely hoping someone can help me. First of all, I'm writing this on behalf of my husband since the loan taken out was in his name and the action being taken is in his name. Secondly, before I waste peoples time, I want to make sure I'm posting this in the appropriate section. Finally this action is taking place in Scotland. Briefly, took a loan out for £25,000 in 2004 for 7 years and continued to make payments until approx Jan 2011. We had been struggling financially since the banking crisis in 2008 but continued to pay this loan until, for a variety of reasons, we couldn't. I have the customer's copy of the original agreement. It is a Summary Cause Summons sent by a court in Scotland involving the companies of Marlin EuropeII/ShoosmithsLLP/LLoydsTsb. The sum involved is £3952.66 with expenses. The return day is 10/7/2014 and the calling date is 24/07/2014. I would really like to defend this action and would appreciate any help you can offer. Thanks