Court date

[Bigkahuna]

Good morning,

 

I have been taken to court by a Payday Lender and I have been given a court date of when the case is.

 

I lost my job a few years ago and could not afford to pay back the loan of £150. I made them aware that I had lost my job and wasnt in a position to pay back in the mean time. After gaining full time employment I told the lender I was willing to pay back what I owe plus 1 months interest and no more. They refused this offer and I have an email with them refusing this and are now claiming i pay on the summons £500+

 

I want to defend this in court. Im a bit apprehensive about naming the lender as im sure they read this forum and dont want to give them any sort of edge if they know im looking for help.

 

Any thoughts on what my chances would be defending this?

 

Many thanks,

 

BK

[honeybee13]

Hello there.

 

As you're talking about court, I wonder if our legal forum guys would be able to help you. I'll move your threaad there and leave a short term redirect on this forum.

 

My best, HB

[honeybee13]

Your thread is on the legal forum now, please continue posting here.

 

Could you tell us what paperwork you've had through please?

 

HB

[Bigkahuna]

Good afternoon, thanks for replying

 

It a copy of the small claims court summons with myself as the Defender and the name of the pursuers solicitors and details of the hearing date at the bottom.

 

Thanks,

 

BK

[AndyOrch]

Good afternoon, thanks for replying

 

It a copy of the small claims court summons with myself as the Defender and the name of the pursuers solicitors and details of the hearing date at the bottom.

 

Thanks,

 

BK

 

 

A copy and not the original blue summons N1 from Northampton?

 

Regards

 

Andy

[Bigkahuna]

Hi, no the summons isnt for a court in England, its north of the border.

 

BK

[AndyOrch]

So the claim has been issued in Scotland?

[Bigkahuna]

Yes

[AndyOrch]

Thread moved to Dealing wtth Debt in Scotland.

[IdaInFife]

Hi can you post up the summary of claim?

 

did you attempt to even make a payment when you could?

[Bigkahuna]

When I was in a position to pay I was only willing to pay what I borrowed plus one months interest. They refused this and I just stuck to my guns on the matter.[ATTACH=CONFIG]40545[/ATTACH]

[IdaInFife]

you said you were willing to pay the what borrowed and 1 months interest - did you actually pay this?

[Bigkahuna]

you said you were willing to pay the what borrowed and 1 months interest - did you actually pay this?

 

No, they refused my offer and that is why I'm being taken to court. I have the email they sent me refusing my offer of what I borrowed and one months interest. They are looking for much more, interest, charges etc and I refused to pay that.

[Bigkahuna]

Any ideas if its worth defending or not?

 

Thanks

 

BK

[IdaInFife]

It won't cost you anything to defend it other than your time.

 

Do you still have copies of communications of you offering payment and advising them you were in financial difficulty?

 

Are you in a position to offer payments?

 

Did you make any payments at all?

 

And just to clarify you said in your initial post that the claim was £500+ but the claims says £380?