Hi All Just an update.My defence was received by MCOL 8/11/2013.DCA had 28 days to respond.It would seem this time has passed.I have heard nothing & there is no update to the case on MCOL. Hope this is how it will remain. Another question that this now raises is that if it is stayed they have added an extra £280.00 to my balance. How do i attack this? Thanks R

Thanks Slick Will try and give it some attention this evening! Cheers R

Thanks I have just had a quick look at the ccmcc. Seems to be straight forward.You mention other posts.Do you have a quick link to a post that is relevant? Do i word the pocs as per my prelim & lba.Its i have been down the road of defending lately & have never claimed,so this is all new to me. Thanks R

Hi Slick & others The 14 day allowance will expire today. I have had no response to my prelim letter nor my LBA letter.My next course of action i guess is to issue a claim via the courts. I also presume i can accomplish this through MCOL. Unfortunately i am going to be working away from home & away from computer until this weekend.This does not present a problem does it in regards to any time limits? Also how would i word my claim on the form? Thanks R

Thanks Slick Bombs away! Cheers R

Hi Slick & all I have amended letter & readjusted cis sheet amount. Is this ok to send now.

Thanks slick Will have a look at this & repost. Cheers R

Ok Have reworded slightly. Is this ok?Apart from the LBA being on the account number. Thanks R

Thanks Slick

Hi Andy & others Have received reply from DLC as per my CCA request. Same document as was posted at start of thread. Also there are 10 sides of t&c s.This is interesting to the fact that if you note where the application form was filled in,sorry agreement! was filled in it was a motorway service station.Well we all know that these places are very busy.How would it be fair to suggest that an applicant would be able to read & understand the 10 sides of t & c s in this environment. Therefore the applicant you would presume would be sent documentation to there home address for agreement. What do you think? Thanks R

Just been looking for LBA template.Should i use the one in the library with ref to BCOBS or does anyone have a link to another one to view? Thanks R

Thanks will look out

Hi Slick & others Can i just check a postal address,as i have received no response from Goldfish. I want to send out LBA. I used this address Barclaycard 1234 Pavilion Drive Northampton NN4 1SG Just to say also that this debt is with Arrow Global should i have sent it there? Any advice?Thanks

Hi Andy if your around Received court notification letter regarding my defence ,so phew! Reply as per scan. Also prior to this i received letter from dca regarding my cca request.As per post. They state in the letter to respond by 21 days.I have heard nothing. Can you tell me how to follow this up.Do i send them a reminder letter? Any advice? Thanks R

Thanks for clarifying slick

I have sent out prelim letter as mentioned above. As quoted on letter its 14 days to respond.Can i clarify its 14 days flat from the date of my letter or is there any allowance for posting. For example my letter was dates & sent on the 29/10/2013. So on the 13/11/2013 i will post LBA. Taking into account they do not respond or disagree. Thanks

gone as is. See what happens next. Thanks

On another point. I wasn't sure about para 5 as i do not refer to it but i don't agree with their balance.Should there be a mention to this & if so how would this word? Thanks

Hi Andy If your about what do you think. Does this sound right.If so i would like to get off asap. Please pick holes. R

Good God! It may take me some time to get my head through this. But I much appreciate your help.I least I will be comfortable knowing that I had a try. Thanks Andy Will post up an amended copy later. R

Hi Andy yes it is.

yes it was last night i will check again now

Hi Andy Any idea on what i should do?How to word the defence? I will file it if i know how to word my defence in regards to the CA not provided. I will have to chance my arm with the deadline dates although i suppose a letter will be with me shortly informing me of judgment. Anyways would like to send off asap.So any ideas from anybody much appreciated. R p.s what would i expect to happen after judgment and my inabilty to pay.Does it go back to court for charging order.Can i fight it here?

No. Had to retire.Up at 5.00 for work. I wont get back to a screen until 6.00 tonight. Have been working 7 days pw for the last 4 weeks now & also trying to negotiate a new contract with another contractor as i am self employed. Trying to keep on top of everything else as well. Oh well i suppose no excuse.I could try & get my wife to look as shes part time & gets home just after lunch. Any way the answer is no defence filed. Cheers

Had a rethink. Failure to provide an original signed executed copy of the credit* agreement on which this claim relies in accordance with the Consumer Credit Act 1974.