What happened
A financial institution sued our client in Phuket for debts arising from both a credit card and a cash-advance facility. The claim combined the amounts without clearly separating the two accounts. That made it difficult to identify which part of the claim was subject to a limitation defence.
What we did
We examined the records and the limitation periods relevant to the two debts. The defence in this case distinguished the two-year period argued for the credit-card debt from the ten-year period for the cash-advance facility.
We filed a defence challenging the lack of clarity in the combined claim and asked the court to require a breakdown of each debt. The claimant then supplied the separate details as directed by the court.
The outcome in this case
The court dismissed the credit-card portion as time-barred. It still ordered the client to pay the outstanding cash-advance balance.
The result was a reduction of the claim, not cancellation of every debt. The periods above describe the issues considered in this matter; the classification of another debt and the events affecting its limitation period would need separate examination.