MDK court action over barclaycard debt

[not so goldengirl]

MDK have issued court proceedings against me over an old all edged barclaycard debt .

 

This was bought by them from barclaycard at the beginning of this year .

 

I have responded to defend this as I am almost certain that there is no signed credit agreement .

 

However most of the debt is made up of charges the claim is for £2,500 .

 

There is also PPI to claim back on the account too .

 

I was wondering of I should just defend on the no signed bpcredit agreement? Or counterclaim.

[AndyOrch]

If you could take time to read and complete the following NSGG :-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**

 

Regards

 

Andy

[not so goldengirl]

Ok I will do this tommorrow if that's ok

[AndyOrch]

No problem..... you have already acknowledged claim and stated you intend to defend....but not submitted a defence yet?

[not so goldengirl]

No problem..... you have already acknowledged claim and stated you intend to defend....but not submitted a defence yet?

 

Yes that's right but I have to do this by Wednesday I think . Should have done it last week but had a really bad time and couldn't I will just email or fax it to the court .

[AndyOrch]

What date is the claim form?

[not so goldengirl]

the date on the claim form is 14t/h march

they have owned the debt since 16/08/2013

it is for 2514.05plus costs

they sent a default notice but as far as i am aware there was no proof of the debt eg no signed credit agreement.

this was opened on the internet in 2004 i think

it says the claimant has complied so far with pre-action conduct practice direction.

[AndyOrch]

So your defence should have been submitted by the 8th April...last Tues:!:

[not so goldengirl]

So your defence should have been submitted by the 8th April...last Tues:!:

 

Hope not thought it was 33 days later? 16th April? Hope I am not wrong ?

[not so goldengirl]

I have had no mail from them this week to say otherwise ? Maybe I should ring them. .?

[not so goldengirl]

I have had no mail from them this week to say otherwise ? Maybe I should ring them. .?

 

Am I right in thinking its 33 days from the date on the claim form which was the 14th March?

[AndyOrch]

You are correct its today...not sure how I calculated that date NSGG.

[not so goldengirl]

ok so what do you think ? will i submit a defence regarding no signed agreement ? or if i put no defence in can i then claim back off them charges ? i have already submitted claim form for the ppi from barclaycard themselves.

[not so goldengirl]

Any advice although think am too late now,

[AndyOrch]

Have you not looked at other threads and tried to edit similar defences..?

[not so goldengirl]

Have you not looked at other threads and tried to edit similar defences..?

 

Yes bit am in a dilemma about whether to do the cca or counter claim I am presuming I cannot do both