Hi thanks for all your responses. Jazz47

What I mean is that I receive grants september-April and then I either have to find a job or claim jobseekers allowance if I agree a payment I would not be able to stick to it as my financial situation is not stable.

Hi thanks for your responses I have been through my paper work and I have no record of a DN. Any ideas how I can take this forward? It seems foolhardy for me to negotiate as I don't have a job and rely on student loans. Thank you in advance jazz47

Thank you Citizen B for your advice I called the court this morning who confirmed that it was "stayed" they also said that claimant tried to issue.......... (cant remember) but could not as I had filled a defence. They said that in order for the claimant to continue they would have to pay a fee to proceed any further, bearing in mind that they paid for J.Priestley to issue the documents (or maybe not). The court also said they would have to follow the above procedure before any summary judgement could be made she aslo stated that the 28 days had run out. I know I am not out of the woods but you are quite right they are negotiating and yes they said if I did not respond in 14 days they would "apply for summary judgement" as far as the six years goes I received a response to that in an earlier post I believe it is not statue barred. In saying that not sure of date of default notice from Barclay card and last time I made a payment was last year sometime of a nominal one pound and nothing else since. TBH I have not got into anymore correspondence with them apart from requesting credit agreement. Thanks again citizen B Jazz47

Hello my apologies for not replying to your earlier post. I received claim form 1st credit 16.01.2013 responded in the time frame and responded to defence stating "that I have not given permission for Barclaycard or any one else to share data information." Date of credit card agreement well occuring to the date of the credit agreement it say 10/05/2006 now the 10/05 looks like it is has been written over another date and the 2006 is typed seems a bit odd. I have also noticed that the Barclay bank stamp has the authorised signature omitted (fair enough) but also the date which seems odd it reads / /20 Hope this is useful. Many thanks

Hello I have today received a letter from 1st credit with a copy of my Barclaycard statements and credit card agreement they have given me 14 days to put in a payment proposal and if they dont hear anything from me then "assume that the application is in preparation and will be served on you by the county court. I would be really grateful for any advice as I am a student.

Hi i Have just recieved a letter from 1st credit informing me that they have changed their Solicitors and they are now representing theirselves. However, they have not commented on my request for a copy of the agreement I am beginning to think that maybe they might throw something together. Can any one advice it just seems really odd.

Hi there letter sent off but not sure what kind of defence I should enter on my form. Could you possibly help to guide me in the right direction.

Thank you for your response will get on to the is right away:)

Hi yes I did get a letter of assignment from 1st credit. Not sure what a CCA is if it is to do with my credit record it appears on it. the sum is for 3447.51 for debt and interest indebted to Barclaycard. The claimant claims 2511.66 plus statutory interest at a rate of 8.00 p.a from 21/5/08 to 15/01/13 £935.85 and thereafter at a daily rate of 0.55 until judgement or sooner payment.

Hi I have checked my paper work but could not find anything. Can i respond to the claim stating that 1st credit have changed their name and therefore I do not owe them any money? I am starting to get worried know as I know I will be unable to pay them as I am a student and I would not want this to effect any employment offer in the future. Can anyone advice me as the acknowledgement is fastly approaching.

Hi I am having a look through my paperwork as I know the 6 years may have expired only because I remember receiving 2 letters from Barclaycard saying that 1st credit have taken over the debt and I am beginning to think there was a year-2 years apart from each other. Barclaycard have never appeared on my credit record only 1st credit, secondly they sent me a letter dated 04/01/2013 saying they are now called connaught collections but have served their documents under 1st credit finance.

I believe I got £600 towards PPI as I did not have the card for to long. The last payment was last year when they wrote to me and I offered the minimum of £1.00 of which they took the payment but declined the agreement.

thank you scott.

Hi there, recieved claim form from 1st Credit on Friday claiming £3612.51 Claimant claims 1. sum of 2511.66 2. statutory interest pursuant to section 69 of the county court act 1984 at a rate of 8.00% per annum from 21/05/08 to 15/1/13 935.85 and thereafter at a daily rate of 0.55 until judgement or sooner payment. After checking my credit reference this debt becomes 6 years old in November and will no longer appear on my credit record.

Thank you for your direction I was a bit confused:)

Hello I am a student and have just received court papers for a Barclaycard debt. It would be difficult to commit to any pay back as I rely on grants from September -April. Therefore leaving me in a position were I would not be able to make any payments. Furthermore at the end of this year this debt can be written off. Can you advise?