Claim Form Recieved re Barclays

[toobad]

Hi

 

I have received a claim form from Northampton CCBC

 

For MKDP LLP for a debt to Barclays.

 

Having looked on the boards, and trying to make sense, there's advice about sending communication requesting for information from them.

 

Do I write back to them, if so what am I asking for, the document says I have 14 days and it was dated 9-5-13.

 

Many thanks

[ims21]

Hi and welcome to CAG.

 

I have moved your thread to the Legal forum in view of the receipt of a court claim.

 

First off, is this in respect of a loan, credit card or overdraft?

 

Can you type up the Particulars of Claim as it appears on the claim form? Make sure you do not reveal any personal identifiers/barcodes/passwords etc.

 

What is the date of issue as stated on the claim form?

[toobad]

It was for a credit card.

 

The claimant claims the sum of £6122.30 being due.

Originally between me and Barclaycard

They give my account number.

Notice provided to me

That I have failed to make payments.

The sum they are claiming as above.

That the claimant has complied as far as necessary.

 

 

Issue Date 09-05-13

 

Thank you for replying and moving the post, it is appreciated

[ims21]

OK so you have some time scales to adhere to here.

 

The issue date is 9th May, add 5 days for service = 14th and then another 14 to acknowledge = 28th May (which you can do on-line) plus another 14 to file a defence (if that is what you intend to do) which takes you to 11th June.

 

So to get things going, can you tell us the history of this debt, when the last payment or acknowledgement in writing was and whether you have all of the statements of account?

 

Do you know if there are penalty charge on the account for being late with payment, exceeding your credit limit or bounced payments?

 

Was there any PPI on the account which may have been mis-sold?

[toobad]

OK so you have some time scales to adhere to here.

 

The issue date is 9th May, add 5 days for service = 14th and then another 14 to acknowledge = 28th May (which you can do on-line) plus another 14 to file a defence (if that is what you intend to do) which takes you to 11th June.

 

So to get things going, can you tell us the history of this debt, when the last payment or acknowledgement in writing was and whether you have all of the statements of account?

 

Do you know if there are penalty charge on the account for being late with payment, exceeding your credit limit or bounced payments?

 

Was there any PPI on the account which may have been mis-sold?

 

It was a credit card debt, and the last payment I believe was in 2011, I think the last writing to me was I'd say February or March, There was roughly just over £5k when the debt was sold on to collectors, they added further charges and late payment charges afterwards.

 

There was no PPI

[ims21]

Ok so last payment in 2011 so not statutory barred.

 

Do you have the statements of account?

 

So you are saying this account was sold on to a third party. Did you receive a notice of assignment?

 

Did you receive a default notice from BC?

 

When I said history of this debt, I meant the full history...i.e. did you stop paying for some reason, if so the reasons why. Did you hit financial problems and what steps you may have taken with BC to try and resolve any issues.

 

You can also check your credit file to see what it says about this account.

 

Are you saying that further charges etc. were added after the account was sold?

 

In the particulars of claim, do they mention something like "under an agreement dated xxxx" or something similar. It would be useful to have the POC verbatim but without account numbers or identifiers.

 

Sorry to be pedantic but this is important stuff so that you can get the best help.

 

Thanks

[dx100uk]

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[dx100uk]

get a CCa request of to MKDP 1st thing tomorrow bt Recorded delivery.

 

if you've not got ALL the statements

 

get an SAR off to BC by RD 1st thing tomorrow.

 

get your cra file below

 

tell us the status from there too.

 

dx

[dx100uk]

get the claim form

 

login to the website ack the claim

 

and select defend all

[Dotty50]

http://www.consumeractiongroup.co.uk/forum/showthread.php?349319-Claim-issued-MKDP-barclaycard-will-need-some-help-please!

 

Hi toobad, here's a bit of reading for you, if you read it you will see that there were a few of us that had to deal with MK

[toobad]

Hi toobad, here's a bit of reading for you, if you read it you will see that there were a few of us that had to deal with MK

 

 

Thanks very much I will take a look

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

 

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

 

I'll sort it asap, thanks

 

Ok so last payment in 2011 so not statutory barred.

 

Do you have the statements of account?

 

So you are saying this account was sold on to a third party. Did you receive a notice of assignment?

 

Did you receive a default notice from BC?

 

When I said history of this debt, I meant the full history...i.e. did you stop paying for some reason, if so the reasons why. Did you hit financial problems and what steps you may have taken with BC to try and resolve any issues.

 

You can also check your credit file to see what it says about this account.

 

Are you saying that further charges etc. were added after the account was sold?

 

In the particulars of claim, do they mention something like "under an agreement dated xxxx" or something similar. It would be useful to have the POC verbatim but without account numbers or identifiers.

 

Sorry to be pedantic but this is important stuff so that you can get the best help.

 

Thanks

 

I don't have any paperwork left,

I can only think of one letter from one debt collector.

Yes I recall a letter being received advising the debt was passed on.

 

I don't recall a default notice.

 

History of the debt.

 

The card was used as a means to get by, I separated from my ex-wife in 2011 and as I tried to get my life back together and a new place etc.

the card helped me get by.

 

I stopped paying when the monthly payments hit over £300 pcm, I could no longer afford it, I started using other cards as a means to live on.

My ex wife screwed me over in my divorce too, so I was using the card against that.

 

I cancelled the DD and wrote my explanations, I got nothing from BC, the debt was sold, I wrote to them and heard nothing back.

My other creditors agreed payment plans (2 other cards) BC was the only one who didn't.

 

Yes other charges were added after the debt was sold, by the DC.

 

I will scan the files and let you see.

[toobad]

get the claim form

 

login to the website ack the claim

 

and select defend all

 

The website directs me to government gateway and won't log me in

[RedPillGuy]

We must be in the same "batch" - MKDP issued 9th May. I will follow your thread with interest.

[AndyOrch]

The website directs me to government gateway and won't log me in

 

You must register with the Gov Gateway first to get your username then log into MCOL using your password from your summons.

 

Regards

 

Andy

[toobad]

Just on the site now, am assuming I just click defend?

 

Will I get into more trouble this way though?

[toobad]

Also am I doing no harm by defending on the Money Claim website?

[toobad]

OK this should be it, blimey!

[dx100uk]

Also am I doing no harm by defending on the Money Claim website?

 

no

 

dx

[Dotty50]

Yes you've cracked it now!

 

When did you take this card out?

[dx100uk]

did you get the cca/sar done today by RD?

 

dx

[toobad]

Yes you've cracked it now!

 

When did you take this card out?

 

 

I know, you wouldn't think I've posted stuff on the internet, lol. I took it out, probably in 2009, I really can't remember.

did you get the cca/sar done today by RD?

 

dx

 

 

Yes and thank you for your help, when I am defending the claim, it's asking me state my defence.

 

Is there a template?

[toobad]

did you get the cca/sar done today by RD?

 

dx

 

Yes, sent yesterday.

[toobad]

In terms of filling in the claim on the government website under my statement, am I just advising where they went wrong in their communication?

[dx100uk]

you have not been sent any paperwork

NOA

CCA

statements

 

dx

[toobad]

you have not been sent any paperwork

NOA

CCA

statements

 

dx

Thank you dx