When you say do not sign the CPR I've put my name digitally on the letter is that ok ?

Thank you.

CCA also to Moon beaver not 1st credit ??

fab thank you that was my next question !

I'm doing this now can someone please tell me if the case no . For the CPR letter is the claim no on the top right of the claim form ?

Ok dx thanks how long have I got then if claim is dated 17 th April ? if I fill in full defence am hoping for some sort of mediation as I think I can maybe avoid a CCj this way ? My priority is to avoid a ccj. It wasn't 1st credit I approached in 2011 it was another of many DCA who wrote to me, DMPAY or something. Am I right in thinking I can still avoid a CCj if mediation takes place ? what defence can I use ?

Thanks dx. Do you think it would do any good to contact 1st credit and ask them to withdraw the claim if I agree a payment plan ?

Ive just read the sticky re receiving a claim so ill just recap with any more details : Name of Claimant 1st credit Name of solicitors Moon Beaver Date of issue 17 th April 2014 POC The claimant claims the sum of 1070 for debt and interest. on x /x/ 2002 the defendant entered into an agreement with Lloys plc for a credit card under ref no. xxxxxx. On x/x/2010 the defendant defaulted on the agreement with an outstanding balance of 1035, On x/x/2013 the debt was assigned to 1st credit in the sum of 1035. Notice of assignment was sent to the defendant in accordance with ...and the claimant claims : 1 the sum of 1035 2 statutory interest pursuant to section 69 of the county court act 1984 at a rate of 8% per annum from x/x/13 to x/4/14 32.78 and thereafter at a daily rate of 0.22 until judgement or sooner payment. When did I enter into agreement 2002 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 Original Creditor was Lloyds Were you aware the account had been assigned – did you receive a Notice of Assignment I cant recall receiving a notice of assignment although I've received letters from Credit security,Wescot,Call Serve,DMpay,direct legal.Parkgate,Russel and Aitken solicitors, Apex, HL legal collections,MHA collections. Did you receive a Default Notice from the original creditor? Yes collections centre Lloyds tsb sept 2010. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No I don't think so. Was there a dispute with the original creditor that remains unresolved? Yes I was disputing at time of default but have no proof. I wrote asking for a list of charges and got a default. I remember sending a letter along at the time saying that the account was in dispute so action should not be taken or something along those line . Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I don't remember but I did contact dmpay asking to arrange payment and asking if they would consider removing the default in June 2011 I want to avoid a CCJ desperately . Have I got this money to pay it ? well -its about the limit of my emergency fund given that my husband of 25 years has left me last month with 4 children and the sub total of about 1200 savings for emergencies. This is now the only default on my file which would have meant buying a more suitable property in 2 years which is my absolute dream. I will do anything really to avoid a CCJ except im not sure I could even feed us next month if I pay this up front. Any advise would be very very appreciated and thank you x

Hi Yes Andy it is ?

I really really need to avoid a CCJ . I defaulted on a Lloyds CC in 2010. The last payment was Sept I think 2011. I sent CCA in June 2012 and received a copy of original agreement. My argument was that the default was placed on my file during a time when the account was in dispute . At the time I requested a list of charges but have no copy of that letter . I e mailed them to arrange a payment plan and consideration of removing the defauly but they only said to call them. the POC are: The claimant claims the sum of 1065 for debt and interest on x /x/ 2002 the defendant entered into an agreement with Lloys plc for a cc under ref no. xxxxxx. On x/x/2010 the defendant defaulted on the agreement with an outstanding balance of 1030, On x/x/2013 the debt was assigned to 1st credit in the sum of 1030. Notice of assignment was sent to the defendant in accordance with ... 1 the sum of 1035 2 statutory interest pursuant to section 69 of the county court act 1984 at a rate of 8% per annum from x/x/13 to x/4/14 32.78 and thereafter at a daily rate of 0.22 until judgement or sooner payment. Have I got this money-its about the limit of my emergency fund given that my husband of 25 years has left me last month with 4 children and the sub total of about 1200 savings for emergencies. This is now the only default on my file which would have meant buying a more suitable property in 2 years which is my absolute dream. I will do anything really to avoid a CCJ except im not sure I could even feed us next month if I pay this up front. Any advise would be very very appreciated and thank you x

no but I think I received everything with the SAR ?

Im just looking at this again. I SARd Canada Square ayear ago and they sent me everything. According to CRA debt to Barclaycard ( EGG ) was settled same day it defaulted April 2009. My last payment was Nov 2008 so not SB until this NOV. Ive had a letter from Mortimer Clarke Solicitors which I think is Marlin asking for payment. Is there anything I can do to hold off until SB ? Could they suddenly slap a CCJ on me ?

Hi DX if your still about could you possibly read back the last 2 pages and give me your thoughts ? Ok I didn't CCA Marlin . I`ve continued to receive letters from marlin. On Tues 2 guys dressed in suits arrived and spoke to my husband. They said they weren't debt collectors but did I live there. They left a card with my husband but from resolvecall so had no idea who they were and call first thing the next day. Resolvecall said the men were from Marlin but that the case had been handed back to marlin! I said I wanted to discuss this as the men called yesterday and I didn't want them turning up again- they assured me that the case was handed back to Merlin yesterday following their visit ??????????/ Ive checked my CRA file today and it still says that this Debt belongs to Barclaycard and was settled on month after date I defaulted in April 2009 . It says settled May 2009. Ive joined a new credit checker which comes free with a credit builder credit card I have. On there it shows as Marlin owning the debt and its status is D (default ) for June July and Aug. Ive checked the paperwork and I can see my last payment I think came out Nov 2008 so not SB until next year, although im sure when I went back through my accounts ages ago my last payment was well before this . why did these debt collectors who say they weren't debt collectors rapidly hand the case back to marlin ? I really don't want a CCJ or DCA coming again. My default will fall off in April this time and I really don't want another ?

Sorry thanks DX yes I'll CCA Marlin thanks.. Cs yes I SAR d Canada square and they complied with a mahoooosive file of almost impossible to read statements. Inge was stupidly small.. No memo reports as not made a CCA yet .Thanks .

CCA to Marlin ?

letter as follows : Outstanding balance 5050 Creditor : Marlin capital Europe limited Original creditor : Barclays Bank PLC T /A Barclaycard ( originally Egg ) We write further to your recent letter received in our office on 19 March We confirm that the debt relates to a Barclaycard (originally an Egg card ) opened on 10th Feb 2005 under the number xxxxxxxxx, the account was subsequently terminated on 16 th April 2009 . ( funny that's the date that appeared on my file as settled and the date of the default but it was only changed to satisfied this last month or so ) The account was reassigned to Barclaycard in April 2011 and given a new number xxxxxxx Please find enclosed an income and expenditure form for you to complete and return to our office within 10 days from the date on this letter along with your payment proposals to clear the outstanding balance. lPlease also provide us with proof of any benefits you are currently receiving to enable us to assess your financial circumstances. should you wish to discuss this further YS Marlin Financial services

thanks both. Will the DCA be able to add to or record on my credit file and proceed to ccj ? ll root out the letter from Marlin dx and post on here .

Well I had my statements from Canada square ! The writing was so small I had to use a magnifying glass (seriously ) to read it. it turns out that I made my last payment to Egg about 5 years plus ago. I think the 6 years is up after Christmas this year or a little later. I wrote a prove it letter to Marlin that I had an account with Barclaycard not Egg and did receive a respons I`ve been seriously flat out at work and home and not had much time to look at my paperwork but I went on my credit file today (hoping to move house at some point so trying to sort out ). The thing is it says Barclaycard (which it has for a while ) account SETTLED ? On March 2013 it said : May 2009 last updated. Default 16 April 2009. Today it says : April 2009 last updated.Date settled 16 April 2009. My question is how come it said a few weeks ago that the CRA last updated in May 2009 and I owed over 5000 on a defaulted debt which defaulted in April 2009. Now it says the account was actually updated on 16 April 2009 ( the same day I defaulted ) and that the account is now SETTLED ???????????? I am getting too hopeful that Marlin have decided not to bother ? I really don't want a CCJ so would appreciate any advice ? x Thanks

32 days and hears nothing from either just a phone call from merlin but no proof as yet x

Done. Ive SAR `d Canada Square and sent a proove it to Marlin . Thankx for link Maroon

Thank you both-pls can you clarify what a proove it letter is ? Thanks again

Thank you .

Thanks. OK if I SAR Canada SQuare and send for CCA to Merlin at same time ( so as not ignoring Merlin but asking for proof ) do either of these letters mean I have admitted the debt which I'm very suspicious is SB .

Hi,I've started a thread in Egg very similar. I THINK my account is SB this month . had an EGG credit card years ago and had some problems and struggled to pay. Heard nothing from them for literally years. can't remember ever having a notice that my account was Aiken over by Barclays but can't be sure . Then out of nowhere I've had contact recently from Marlin and I'm not entirely sure what to do except that i can't ignore it . I need a way of ensuring I don't risk a ccj while I bide enough time to obtain SAR and check when last payment was made and if. Paid PPI which I'm almost certain I did . I remember asking them to pls stop taking it out as it was causing me to go over my limit and I couldn't afford it ! Will watch this thread with interest. I'd do you a link to mine but don know how sorry .

Ok if i SAR how can i bide my time with Marlin in the meantime and without admitting to the debt incase its SB or is that impossible ? I dont want a CCJ thats my priority. I think ill just set upa payment plan ?