you didn't borrow any amount, you ordered goods on credit.
if the sum is inflated by unlawful int or fees by whatever level because of a late payment, those sums are not owed.
I think it might pay you to SAR SD, get all the statements as as it stands, the agreement looks ok to me and barring the production of the default notice [which failure to do so can be fatal to their claim] things are not looking too rosy here for you.
After a worrying 3 months I have just received a 'Notice of intention to prosecute ' letter and need to reply within 14 days. It also references their intention to take this to the Magistrates Court.
The details of the offence are:
...did enter a train for the purpose of travelling on the railway, and upon inspection at LB; did not produce a valid ticket entitling travel.
Can you advise on a suitable response to GTR.
I am really worried, it talks about criminal record and prison sentence etc.
the fleecers have no say in the matter and you don't need their consent.
you are the doing the set aside because of their mistake and refusal to mutually accept a set aside outside of the court process.
let the judge be the one to decide what actions to take once he reads the case.
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!