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Taken to Sheriff Court in Scotland.


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Hi folks,

I have defaulted on a loan from Sept 2020. The original loan amount was over £380, the 1st repayment was just over £20, I made a total two payments of £120 and £175 and no more, the original company sold it on,  they then sold it on, and it was sold on twice more.


I am being sued in Glasgow Sheriff Court by the current dept holder for over £1400, I have three weeks to send in my Simple Procedure Response Form 4A.

The duration of the dept was 70 plus weeks.

APR is over 1200%


The rates of interest which apply to the credit agreement . . .

Interest is charged at a simple fixed rate of just over 200% per annum the amount of credit for the term and is applied to the account, in full at the commencement of the agreement. 


Any help would be gratefully received especially a defence against the astronomical interest rates.




Edited by dx100uk
added A few blank lines only..dx
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please complete the above



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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