Thanks for your reply.
I haven't yet filed a defence.
I have pasted below the particulars of claim along with details of my proposed defence. Please let me know what think of my chances of success in defending this claim. If you think my defence needs changing in any way, please let me know, so that I can amend.
Value of claim = £2741.69
My proposed defence:
Lucy Fowler and I moved in together atXXXXX Ashford in March 2011. The agreement we had was, I would pay the rent - £950.00 per month and she would pay all of the utility bills and Shopping, which roughly equated to 50/50. It transpired that Lucy could not afford to pay. Therefore, I agreed to pay the utility bills and the shopping, as well as the rent and holidays etc on the basis that when her situation improved she would pay me back. In essence, we had a verbal loan agreement.
Lucy & I went through an acrimonious split in August 2012. Lucy point blankly refused to leave the property (22 Adams Drive) and move into a new property, even though I offered to pay her rental deposit and the first 3 months rent up-front. Therefore, My daughter and I left the property in September 2012 and rented another property in Ashford. Until March 2013, I was still liable to pay half of the rent onXXXXXas well as the full rent on my new property. The tenancy onXXXXXwas due to expire in March 2013. Lucy failed to leave the property and it was up for repossession in May 2013.
Since I leftXXXXXin September 2012, Lucy has made no effort to pay back any of the monies that she owes me via our verbal loan agreement.
My financial situation became dire during the latter part of 2013. When I was looking through my bank statements in December 2013, I noticed that a direct debit for £10.43 was being debited from my account on a regular monthly basis. Upon investigating this, it transpired that I was paying for Lucy Fowlers contents insurance policy. To make matters worse when Lucy moved out ofXXXXXin May 2013 she transferred cover to her now property:XXXXX Ashford and indeed the policy was renewed on its anniversary, I reported this to Swinton Insurance and advised them that I would be making a Direct Debit Indemnity Claim and that what Lucy did was tantamount to Fraud, as she used my bank details to pay for her insurance without my approval or knowledge. I am pretty sure that when Swinton renewed the policy with Lucy they would of asked her to re-confirm the Bank details for the direct debit and yet she still fraudulently gave them my bank details.
Shortly after this, I made several Direct Debit Indemnity claims, claiming back funds that to all intents and purposes were fraudulently claimed from my Bank Account. The bills that that the indemnity claims related to were in Lucy’s sole name and as stated above, these monies formed part of a verbal loan agreement between Lucy & I. Also as stated above, since Lucy & I split in August 2012 Lucy has made no effort to pay any of the loan monies back to me.
I was minded to make a counterclaim in this matter, as, I believe that Lucy owes me way in excess of £8,000. She also owes my company £1500.00. I decided not to counterclaim at this stage due to the fact it would be pointless, as Lucy is not in a financial situation to pay the amount of the counterclaim, I would like to reserve my right to make a counterclaim at a later stage, should it indeed prove necessary.