1st Credit/? claimform - old M+S credit card ***Settled ADR ***
Hello,
I have been issued with CCJ papers regarding a Marks and Spencer account from 1999 for circa £4000. Whilst I don't deny the money is owned, at this time I would like if at all possible, to avoid receiving a CCJ judgement.
I have already learned about Statute Barred debts, but as I was making token monthly payments in 2014/15, I am aware that this would not apply under the 6 year rule.
But what about the likelihood of this being unenforceable in respect of the Credit agreeme
Well its obviously a very illegible application from 1999...the T&Cs look like they were printed last month and not sepia colour as per the application ?
The NoAs look fine...although the M&S looks like its been printed by 1st Crud using an M&S logo.
The default notice is a template blank copy of what the original would have looked like.....its not a requirement to retain hard copies of this notice although most creditors are now doing so....therefore as their data shows a