Unsecured loan copy of writ

I have a 15k unsecured loan with the Royal Bank of Scotland. Through Citizen's Advice I have agreed reduced payments with other creditors, but RBS have refused my offer. Even so, I have made reduced payments of 38.20 (normal payments were 327) every month. I have now been served with a copy of writ through the sheriff court. I am told that because the debt is more than 15k I do not get the opportunity to provide the court with a statement of my financial position. The only thing I can choose is to defend in court, which will cost me #46 plus court fees. I phoned up the Sheriff Court and was told to be aware of these costs and it was clearly implied that there was no point in defending. The amounts the RBS claims against me are probably correct, but how am I to know? Provided that the amounts are correct, should I defend anyway? If I do not defend the decree will be issued against me. If I do defend, so I am told, it will be issued against me as well! Is there any point going into court at all?

Please reply by retrun if possible.

Many thanks,

Idob.

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