I would hate to say that this letter is 'standard' because it isn't....but it is common. Can I please assure you that you will NOT be subject to an application to the Magistrates Court.
JBW are returning the case back to their client. That may take a week or so. It would be wise call the council in around 10 days time. Please keep the forum updated with their response.
I need some help customizing a defense.
I still fail to see how I can argue that the whole sum should be written off.
What is my defense?
The account only goes back to 2012. I've got £1030 of charges and interest. How can I argue that I shouldn't repay a penny?
I did search as you advised in your last post, and the reason people have won, is on a technicality i.e. the debt collector cant produce a certain document, so the court has thrown it out.
As all of the paperwork and procedure from PRA looks to be in order, i cannot use a 'technicality' as my defense.
Unless I use the fact that the account was a joint account, and they are only taking my wife to court, not both of us.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!