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jldasilva

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About jldasilva

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  1. Hi and thanks to anyone who can give me some advice. I have received the following claim and the POC are standard as I have seen already on this forum: "The claimant claims the sum of xxxx being monies due from the defendant to the claimant under a regulated agreement between the defendant and Barclaycard **************** and assigned to the claimant on xxxx2011, notice of which has been provided to the defendant. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. The claimant claims the sum of xxxx and costs. The claimant has complied, as far as is necessary, with the pre-action conduct practice direction." Didn't receive any notice before action and so far I have sent the AOS (online) and a CPR 31.14 request. The only response from MKDP was a letter stating that I had a judgement, the amount being nearly double of the claim and that I had agreed to paying them £60/month by DD. They also gave a time limit to comply before enforcing through the courts. My details on this letter are correct and it also mentions the correct credit card number, but I immediately spotted that the claim number was incorrect by one digit. I need some advice regarding the defence, since I have not received any info from MKDP and the POC is very vague. Also should I mention this letter that they sent me or is it not relevant? The account in question was opened in 2003, a Barclaycard initial/basic ? with a starting credit of around £300 to £500 which was then gradually increased by the lender. The actual application form was from one of those self-seal forms that use to come in magazines/post. The last payment was around July/2010, and I was unable to pay due to loss of job (company went under owing me a substantial amount for which I eventually got a few pence for each £1 owed). The balance is less than 5K. I did have an offer from barclays to settle this for 60% of the total in 2011 but I didn't have any money. Thanks
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