In the event that you’ve gotten a page of claim

In the event that you’ve gotten a page of claim

You’ll have actually 1 month to answer the page of claim utilising the answer kind. You need to speak to your nearest people guidance.

Make use of the answer kind to:

  • state you disagree you borrowed from the financial obligation
  • inform your creditor you’re getting financial obligation advice and also a visit — say you’ll need much longer than 1 month
  • ask to learn more from your own creditor — as an example, a free account statement or content associated with credit contract

In the event that you’ve gotten a claim pack

Answer when you can. You’ll as a rule have at the least two weeks to respond.

Use the ‘N9B: Defence and counterclaim’ form to inform your creditor you disagree you borrowed from the funds.

You might have the ability to protect the claim if:

  • you are able to show you’ve compensated the income your creditor say you borrowed from
  • you’re perhaps maybe not the one who finalized the contract
  • your creditor didn’t work correctly — for instance, they didn’t give you the right documents
  • you had been under 18 whenever you signed the contract
  • enough time limitation for recovering your debt has come to an end, typically 6 years

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