ccj defence

[Witchesbrewandbiscuits]

any help here would be much appreciated...

background: took a loan out with a sub prime lender, paid for several months then missed a payment. lead to harrassment, them breaking the data protection act, discussing the debt with a family member in a public place. missold ppi, forged my signature on a contract to make it look like i had taken the loan without it. as a result of all the above, i made various complaints to no avail.

i have not acknowledged the debt for 6yrs therefore legally under the limitations act it should be statute barred. however, the debt has been sold on to a debt collection agency and they have taken me to court.

i need help with a defence. do i explain what happened with the original lender? or simply state that the debt is statute barred?

thanks in advance.

[Witchesbrewandbiscuits]

need to submit asap

[Witchesbrewandbiscuits]

sorry for multiple posts, hoping thread will move into active posts in hope of a response.

[RedHelenB]

How have you not acknowledged the debt for 6 years - you say you have made complaints regarding it?

[Witchesbrewandbiscuits]

complaints were 10yrs ago. not aknowledged for 6yrs

[RedHelenB]

It will still mess up your credit file even though they may not legally be able to get the money through court as it will be marked as unsettled.

[VodkaJelly]

You need to get onto the Martin Lewis MoneySaving website or the Consumer Action Group website. They have people on there who will be able to tell you what to write exactly.

Your defence is the statue of limitations act but it has to be worded correctly.

If it does mess up your credit file you can complain to Experian etc but it doesnt always work. Again, those websites are good for finding out what to do.

[Witchesbrewandbiscuits]

thankyou for all replies, have submitted defence. thankyou for internet sources, they were very helpful.