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65Chap

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  1. Below is the Defence I submitted at 11.30pm on the last day and although probably not ideal, I figured this was better than none at all and would at least, hopefully avoid the default judgement. Particulars..... What is the claim for – 1.The Claim is for the sum of £5984.20 in respect of monies owing by the defendant on a credit agreement held by the defendant with MBNAicon under account number XXXXX under which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3 The balance owed was assigned f
  2. Lost the focus on this one for a number of reasons, but here is the latest timeline update as of today, 21st November. 25th October - Sent CCA and CPR requests by Recorded Delivery 14th November - Found paperwork confirming this claim is NOT Statute Barred. 14th November - The 33rd day following the claim date and 19 days since the CCA/CPR request submitted and as no reply to this, at the very last minute I filed at the MCOL website a CPR r 16.5 (3) defence etc and stating no response to CCA/CPR request - rest of the wording identical to a previous claim as discussed here on CAG. 16
  3. Just to update this thread....a settlement was reached via Mediation last week and so the CCJ was avoided. Another donation made - many thanks.
  4. Okay thanks Andy......but if this had been assigned to someone else, would this have made a difference? I ask because I note the time span between my last payment and the letter of assignments from M.&S. and 1st Credit, is some 12 and 13 months later. Would they normally wait that long without taking action of some kind? Still have mail to sort through covering this 13 month period - I may find something else perhaps.
  5. Yes, it states their client is M. & S. and it is the same account number etc. Letters I have from Rockwell do not actually state it is assigned - says "We have been instructed by M. & S. to contact you regarding the above account which remains unpaid" Subsequent payments were paid direct to Rockwell - assume they were collecting on behalf of M. & S. and thus makes no difference?
  6. Thanks Andy and DX for your much appreciated input and advice on this matter. Before I comment directly on Andy's last post, I'd like to bring the following to your attention. It may make a difference or indeed, no difference at all, but I thought it best to ask anyway. Over the last few days, I've been trawling through some old paperwork and have discovered this account was originally assigned by M. & S. to a company called Rockwell in 2009. So would they have taken back the account from Rockwell some 5 years later and reassigned it to 1st Credit in 2014 - as their pap
  7. On making some calculations, total payment made to the DCA after the balance was transferred to them in October 2007 was £400....which at £25 per month = 16 months and hence the last payment made at that time, would have been February 2009......so more than 8 years ago. As previously mentioned, I was making token payments on some accounts during 2015 and via a pre-paid Card. I don't think this one was included, but today I can call that Bank and order statements for years not available online. Thanks...
  8. Well, that depends on what you consider to be acceptable CCA/CPR paperwork...... In post #32 I did upload a File1 [CCA] and File2[CPR] of documents that I did receive. As you noted in your post #55 above, there is no original default notice only a template. If you could take a look in File2, I would appreciate your opinion on what is supposed to be a copy of the original M.&S. notice of assignment to 1st Credit, letter to me.
  9. AOS now done at MCOL website this morning. CCA Request letter + £1 PO sent today recorded CPR 31.14 Request letter sent today recorded Thanks for the FYI re A. & L. cards and MBNA Seems the other DCA was First Revenue Assurance
  10. Today with this claim I have received an email from the Small Claims Telephone Mediation Services, with a provisional Appointment Time and Date etc. Do you need to know more about this? Anything I need to be doing? Thank you.
  11. That is what I am hoping for but... ...I've found a letter I sent from January 2008, that references this old A.& L. account and increases the £23.19 payment to £25 per month, but it's to a different DCA. I don't recall for how long that lasted - certainly not more than a year or so anyway, I'm still not 100% sure, that this account was not one I was making token payments to in 2015. I don't believe I was....but with this uncertainty, should I first proceed with the CCA Section 78 and CPR31.14 letters anyway and respond to the claim at the MCOL website? Thanks...
  12. Well I called MBNA and they advised the last payment received by them was for £23.19 on the 31st October 2007.
  13. Name of the Claimant - Arrow Global Guernsey Limited Date of issue – 13th October 2017 What is the claim for – 1.The Claim is for the sum of £5984.20 in respect of monies owing by the defendant on a credit agreement held by the defendant with MBNA under account number XXXXX under which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3 The balance owed was assigned from MBNA to the claimant and the defendant has been notified by letter of the assignment by letter. What is the value of t
  14. Ah, well that's very encouraging for sure........ On another note, I have now had one more DCA come out of the woodwork after many years. This time from Arrow G, with a claim form dated 13th October. Certainly, I have learnt much from this thread [thank you] but would like if possible, to add this one to CAG as well, because it may be somewhat different. If that is okay, should this second claim be started as new thread? Thanks.
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