A couple of days ago, I received a Letter of Claim dated 28/10/2020, from the above writing to inform me of their
"... intention to issue proceedings in the County Court for the above outstanding amount that you have failed to repay"
I wonder if you can help with advice on how to respond or what action I need to take.
The debt is £4,619 and was from a Barclaycard originally.
The remainder of this latest letter is shown at the end of this message.
I know it may be unhelpful in the long run, but I've been ignoring this issue as I'm not in full time employment.
I had 5 months work last year at minimum wage - it was a seasonal summer job.
And this year, I have earned even less.
So this is a huge worry.
I received the following correspondence prior to getting this letter:
27/03/2014 Barclaycard – Letter stating that as they had been unsuccessful in contacting me about overdue payments, that they had exercised their legal right to set off part of the outstanding arrears on my Barclaycard against my Barclay's account. The set-off amount was £1,433 against the total of £5,421
14/05/2019 Barclaycard – Notice of transfer to Hoist Finance
14/05/2019 Hoist Finance – Notice of Assignment
16/05/2019 Robinson Way – Letter stating they'd been appointed as the collection agent
04/10/2019 Barclaycard – Letter offering a payment of £75 as an "Inconvenience Payment" relating to the above mentioned set-off amount in recognition that they 'may not have contacted' me before the transfer and of the "potential distress and inconvenience" I may have suffered as a result of the transfer. I did not respond.
04/11/2019 Barclaycard – Regarding the previous letter about the one-off payment of £75
25/112019 Robinson Way – Please contact us
01/02/20 Robinson Way – Pre-legal Assessment stating that the account may be transferred to Howard Cohen
27/05/20 Robinson Way – Letter offering a 40% discount
14/07/2020 Robinson Way – Letter asking me to contact them and how they could help with a payment plan
06/10/20 Robinson Way – Pre-legal Assessment stating that the account may be transferred to Howard Cohen and warning that if it goes to court the amount owing will increase
So that's where I am.
Thank you for taking the time to help.
The remainder of the 28/10/2020 letter is as follows:
"This debt originates from a written agreement dated 30/11/07 between the original creditor detailed above and you. The agreement was subsequently terminated when its terms were not complied with.
Our client later purchased this account and it was legally assigned on 29/04/19. The Notice of Assignment has previously been provided to you.
There have been no interest or administrative fees/charges applied to your account since we acquired it.
You should note that is letter is being sent in accordance with the Pre-action Protocol for Debt Claims of the Civil Procedure Rules. The Court rules confirm the actions either party must take before a matter goes to Court. We should point out the Paragraph 7 sets out is expectations for you and our client in how to comply with the Protocol. the full protocol is available from the Court Service at: https://...
Despite our client or its agents, Robinson Way Limited, attempts to engage with you to agree a suitable payment plan, the above amount remains unpaid.
To respond to this letter the following documents are enclosed and would need to be completed:
1. Information Sheet
2. Reply Form
3.Income and expenditure form.
You are required to make payment of this outstanding balance with in the next 30 days.
If you do not respond to this letter, a Claim will be issued in the County Court without further notice. I a Claim is issued and you do not respond, a County Court Judgment ("CCJ") may be obtained against you. However if you are unable to pay the full balance in 30 days, our client is prepared to enter a suitable payment instalment arrangement with you to prevent legal action being taken.
To submit your proposals please complete the attached Reply Form, or alternatively, contact our client's agent, Robinson Way Limited who will be happy to discuss this with you. Should you want to respond via the attached reply form, please complete within 30 days of the date of this letter sending it to: Robinson Way Limited...
This Reply Form should still be returned even if you are receiving advice and assistance from a Debt Advice firm. Details of where can find such organisations that may be able to assist are contained in the attached Information sheet.
Ways you can pay
Court Action for no Response
Should you not respond or engage following receipt of this letter by 29/11/20, by making payment to our client or providing any other response. We will instruct the Count Court to issue a Claim for the outstanding balance without further notice, together with Court cost.
We recommend that you respond as requested to prevent such action...