Hi Thanks for reply this was from a very long time ago and was a morgan stanley account which was just transferred to Barclaycard. At the time i did not know i could have cancelled the account and just paid it off but was rate hiked and the interest just spiralled and i never seamed to be able to pay it off. I was made redundant several times and had to take jobs with lower wages which just made things worse. I am sure there are a lot of other people much worse off than me though. thanks for your time i know how busy you are. D

Thank you please could some one comment thanks Dazzled In the Northampton (CCBC) county court Claim number xxxxxxx Between MKDP LLP and DAZZLED – Defendant DEFENCE 1 I Dazzled am The Defendant in this action and make the following statement as my defence to the claim made by MKDP LLP. 2. Except where otherwise mentioned in this defence, I neither admit nor deny any allegation made in The Claimant’s Particulars of Claim and put The Claimant to strict proof thereof. 3. The Claimant’s Particulars of Claim are vague and fail to disclose any cause of action; they appear to be an abuse of the process in that they fail to deal with the basic rules of pleading in accordance with the civil procedure rules. (Even allowing for the constraints of the bulk issue system) 4. No documents supporting the claim in the particulars have been offered which The Defendant needs to establish what agreement it is that this action is based upon and so The Claimant's claim appears to be totally without merit. 5. On receipt of the claim form The Defendant sent a CPR 31.14 request on xxx. This was resent again on xxx asking for a copy of the agreement, default notice and assignment which form the basis of this claim. 6. At the same time on xxx and 1xxx The Defendant also sent a formal request pursuant to Section 78 of the Consumer Credit Act 1974 for a copy of the agreement along with statement of any account. 7. On xxx I received a message on my phone voicemail to call MKDP Legal dept. I returned the call and spoke with their legal dept during the call I asked when I might receive all of the information requested. To which the response was that they did not have an agreement and would try to obtain it from Barclaycard. To date no further response has been received from The Claimant. 8. As a result, the claim as pleaded does not contain sufficient particulars to permit me to file a properly particularised and pleaded defence. I am at a disadvantage to respond to this claim and to allow me to properly respond to the claim. Consequently, I deny all allegations on the particulars of claim and put The Claimant to strict proof thereof. 10. It is denied that I have an agreement with MKDP. 11. If, which is not admitted, such an agreement exists, the precise terms and date of any such agreement are not admitted. I do not have in my possession any such agreement from MKDP and I am not therefore able to comment thereon. The Claimant is put to strict proof as to the date and terms of any such agreement. 12. Without admission that any cause of action is shown by The Claimant it is denied that I am indebted to The Claimant as alleged or at all. 13. It is alleged the Claimant has an agreement and there has been an Assignment. Within the proof of claim it was stated that there had been an assignment to the Claimant on a date which was given as Blank. As such it is contended that no such Notice of Assignment has been served pursuant to Section 136(1) of the Law of Property Act 1925. Without a Notice of Assignment, The Assignment is merely equitable and The Claimant is put to strict proof to disclose this and prove that this claim can commence in their own name. AND the Defendant Seeks an order that The Claimant’s action is struck out or otherwise is dismissed on the grounds that any claim cannot succeed. i. Alternatively if the court decides not to strike out The Claimant’s case, it is requested that The Court orders full disclosure of the requested documents pursuant to the civil procedure Rules and requests that original legible non redacted documents be available at any subsequent trial. ii. The Defendant respectfully asks the permission of The Court to amend this defence if or when The Claimant provides full disclosure of the requested documents and allows inspection of the original documents. Statement of Truth I believe that the facts stated in this defence are true. Signed Dazzled

Is it worth anyone looking at my defence before posting ?

Hope this was of use to someone else not just lurking DCA's

Will be sending defence tomorrow as don't want to miss date.

Hi everyone, Sorry i havn't been on here for a long time but have been having a lot of hassle and personal problems. Did do a sar with original creditor and received statements along with an illegable agreement. Did not have any insurance on this but had some minor charges which have obviously been included within default sent by mercers. MKDP have replied to cpr 31.14 just sending copy of assignment notice but missing default notices and agreement just saying they have asked for agreement but not saying when they would send it to me. My defence is due very shortly as my notice was dated 1st feb and acknoledged on the 9th Feb i assume the latest date will be by 4th March. Not to sure as the way forward now should i apply for a N244 order and do i just put in defence that they have not complied with CPR 31.14 request and clearly they have abused the courts process as they have submitted a claim without any proof ? would be gratefull of any comments off anyone Thanks

Lots of people looking any comments please ?

thanks i have acknowledged claim online and have sent cca section 78 request along with the following cpr 31.14 request Dear Sir, Re: (Claimant's name) v (Your name) Case No: CPR 31.14 Request On (date) I received the Claim Form in this case issued by you out of the Northampton County Court. I confirm having returned my acknowledgement of service to the court in which I indicate my intention to contest all of your claim. Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of each of the following. 1. The agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 paragraph 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached. 2. The assignment along with proof of serving as defined under the law of property act 1925. 3. The default notice along with proof of serving as defined under the law of property act 1925. 4. The termination notice along with proof of serving as defined under the law of property act 1925. You should ensure compliance with your CPR 31 duties and ensure that the documents I have requested are copied to and received by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable and proportionate search for the originals of the documents I have requested, the better for you to be able to verify the document's authenticity and to provide me with a legible copy. Further, where I have requested a copy of a document, the original of which is now in the possession of another person, you will have a right to possession of that document if you have mentioned it in your case. You must take immediate steps to recover and preserve it for the purpose of this case. Where I have mentioned a document and there is in your possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party. In accordance with CPR 31.15© I undertake to be responsible for your reasonable copying costs incurred in complying with this CPR 31.14 request. If you require more time in which to comply with this request you must tell me in writing. You must tell me before the time for compliance with this request has expired. In telling me you require more time you must tell me what steps you have taken and propose to take in order to comply with this request and also state a date by when you will comply with this request. In addition your statement must be accompanied with a statement that you agree to an extension of the time for me to file my defense. Your extension of time must be not less than 14 days from the date when you say you will have complied with my request and you must state the new date for filing my defense. If you are unable to comply with this request and believe that you will never be able to comply with this request you must tell me in writing. Please note that if you should fail to comply with this request, fail to request more time or fail to agree to an extension of time for the filing of my defense, I will make an application to the court for an order that the proceedings be struck out or stayed for non-compliance and a summary costs order. I do hope this will not be necessary and look forward to hearing from you. yours faithfully

Hi everyone just need some advise please. Very long story but basically after being out of work and eventually finding work at much lower wage i am unable to pay all bills. I had morgan stanley card which Bcard took over then sold to MKDP. MKDP have issued claim on 1st feb it says the claimant claims the sum of £ 7XXX being monies due from the defendant to the claimant under a regulated agreement between the defendant and Bcard The defendants account number was xxx xxx xxxx xxx and was assigned to the claimant on ( ? no date) notice of this has been provided to the defendant. The defendant has failed to make payments 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 £ 7xxx and costs. The claimant has complied as far as is necessary with the pre-action conduct practice direction.