Responding to your PM   Particulars of Claim   1) The Defendant entered into a consumer crediti Act 1974 regulated agreement with Shop Direct under account reference ******** (‘the Agreement’).   2) The Defendant failed to maintain the required payments and a default notice was served and not complied with.   3) The Agreement was later assigned to Claimant on 22/11/2012 and notice given to the Defendant.   4) Despite Repeated Requests for payment, the sum of £3,190.05 remains d