Name of the Claimant:
sols: Drydens Limited
Date of issue:24th Feb 2020
Particulars of Claim
What is the claim for – the reason they have issued the claim?
1. The claim is for the sum of £5300 in respect of monies owing to the defendant on a credit agreement held by the defendant with MBNA under account no **************** upon 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 of the assignment by letter.
What is the total value of the claim?£5800
Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?No.
Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes.
Did you inform the claimant of your change of address?No.
Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.
When did you enter into the original agreement before or after April 2007 ? Late 2006.
Do you recall how you entered into the agreement...On line /In branch/By post ? Don't Recall, Likely By Post.
Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No.
Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser
Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure if I received the Notice of Assignment, I have had a few letters from Dryden Ltd but just the same letters that i've been receiving.
Did you receive a Default Notice from the original creditor? Unsure. it was 12 years ago.
Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Yes.
Why did you cease payments? I didn't know know until this morning that i had, I have a seperate account that i've have been making £1 a month from to 4 different creditors, every month I have a payment of £15 that goes into this account, i was expecting there to be over £1000 in the account but after regaining access to the online banking today i have discovered that the bank has been adding charges to the account that has been absorbing all of the £15 every month since March 2018, i haven't received any letters stating that i've stopped paying from ANY of my creditors.
What was the date of your last payment? March 2018
Was there a dispute with the original creditor that remains unresolved? No.
Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes.
Brief background: Shortly after my 18th birthday I went to 2 different banks (Lloyds and Barclays) to request a VISA DEBIT card and was told that i wasn't eligible, i could only have a VISA ELECTRON (which was useless at the time), but with only 1 more click my details could be forwarded to Barclaycard where I may be accepted for a credit card, My initial limit was £1,750.
After a few (very irresponsible) years I was living off my credit cards till my minimum payments exceeded my wage, at that point I was in nearly £20,000 of debt, I contacted step change and after doing a financial assessment they told me to setup a £1 a month payment to each of my creditors, that was about 15 years ago.
I have less than £1,000 of savings and very little disposable income after paying the mortgage and other bills, I do not drink or smoke and live a fairly modest lifestyle with an 11 year old car.