Summons is unenforceable?

[bertie99]

Hi there,

 

Can anyone help me please?

 

I've had a summons issued in my name for a credit card debt where summons says the last payment made was made nearly 5 years ago. It's been sent to a different address.

 

Is it too late to send a CCA request for my address, address of summons?

 

I hope someone can help!

 

Many thanks !

Edited February 25, 2014 by bertie99

[maroondevo52]

Hi,

 

Who issued the summons, does this 'debt' show on your credit report, are you sure it's yours.

[bertie99]

Thanks for the reply.

Edited February 25, 2014 by bertie99

[maroondevo52]

Is this a 'small claim's' summons ?

[bertie99]

I'm not sure how to tell, expect by the amount involved?

Edited February 25, 2014 by bertie99

[maroondevo52]

If it's between £3,000 and £5,000 it will be a Summary Cause summons.

What is the return date.

[bertie99]

I'm nervous of giving too much away on public forum, but I suppose it'll be ok!

Edited February 25, 2014 by bertie99

[maroondevo52]

I've removed the date, here's some info on Summary Cause actions.............

 

https://www.scotcourts.gov.uk/taking-action/summary-cause

 

I'm not sure what the score is regarding the summons being sent to the wrong address ect, It sound like you are pretty sure the debt is yours, your first post is a bit 'cloak and dagger'.( and yes I know where your coming from regarding giving too much away on a public forum)

 

Your best bet might be to get in touch with a free debt advice service............

 

http://www.stepchange.org/DebtadviceinScotland.aspx

 

They will be able to tell you whether there's any way you can dispute the summons.

[bertie99]

Thanks for your help. I will give them a call tomorrow.

[IdaInFife]

so the summons was sent to the wrong address? so how do you know about it? was it a previous address?