You’ll have actually 30 days to answer the page of claim making use of the response type. You ought to speak to your nearest Citizens information.
Utilize the response type to:
- state you disagree you borrowed from the financial obligation
- inform your creditor you’re getting financial obligation advice and possess an appointment – say you’ll need much longer than thirty days
- ask to find out more from your own creditor – for instance, a free account declaration or copy associated with credit contract
In the event that you’ve gotten a claim pack
Answer when you can. You’ll ordinarily have at the least two weeks to respond.
Use the вЂN9B: Defence and counterclaim’ form to inform your creditor you disagree your debt the cash.
You might manage to protect the claim if:
- You can be proved by you’ve compensated the funds your creditor say you borrowed from
- you’re maybe perhaps perhaps not the one who finalized the contract
- your creditor didn’t work properly – for instance, they didn’t give you the documents that are right
- You were under 18 when the agreement was signed by you
- the full time restriction for recovering your debt has come to an end, usually 6 years
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