Hi everyone, This is a great website with tons of info. Love it! This is my first time posting on here. I am trying to deal with a court summons, and could really do with some help with the N9B defence form. ************************************************************* This is the background to the case: I have had a Barclaycard since 2000. The balance at January 2010 was £8,900. Due to various financial problems, I stopped paying them. Also in January 2010, I sent them a CCA request, and they sent me a reconstituted copy of a credit card agreement. I have not paid them or contacted them since then, however now they have sent me a claim form from Northampton county court bulk centre for £9,900 (although MKDP are named as claimants). The particulars of the claim are: " the claimant claims the sum of £9,900 being monies due from the defendant to the claimant under a regulated agreement between the defendant and Barclaycard 4929************ and assigned to the claimant on 10-10-2011, notice of which has been provided to the defendant. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974. The claimant claims the sum of £9,900 and costs. The claimant has complied, as far as is necessary, with the pre-action conduct practice direction. " ************************************************************* Can I first be clear that I am not trying to get out of this debt, but I do not have the means to pay. I do not know if MKDP collections are just trying it on at court, or whether they have something solid to back them up. So now I need help with these questions: 1. Barclaycard only sent a reconstituted agreement in response to my CCA request. Is the debt unenforceable in court because of this? 2. Barclaycard only sent a reconstituted agreement in response to my CCA request. Does this mean they don't have the original executed agreement with my signature, and because of this, is the debt unenforceable in court? - Or is this just wishful thinking on my part? 3. What are the prescribed terms and what should I be looking for in the details of the reconstituted agreement that they sent me? 4. Part of the defence form says "if you fail to deny any allegation it may be taken that you admit it". I do not want to admit to anything, in case it is used against me at a later stage. In light of that, how could I word my defence and/or what should I include or leave out? ANY help will be greatly appreciated. Thanks all.

Over the last month i have been offered a job, as its Construction based i have had 5 training courses to cram in before i am legally capable to go to work. Ive been doing these over the last month, one 5 day course two 3 days and two one days. Last week was my signing and on my evidence sheet 3 days in i put "ive got a job" my signer was not impressed i should be looking for a part time job at least and she will be checking on my evidence next time. Thats not a problem as ive got two local firms willing to give me the odd hours if they come up. Shortly after signing and returning home my Monthly-ish personal advisor rang with a job code off the .Gov site. I repeated i have a job and someone has just spent over £2000 training me. As i don't have a start date yet (looming is the word from my future boss) i should be applying. So i ask about the job, will it match my £30,000 offered? No! do i get a car? No! is it in my trade? not quite! is it mainly outdoors as ive a health condition which has kept me outdoors all my working life? No! its on the phone in a office. So should i just ignore the money spent already on my training over the last few weeks, you have to apply for this job and i will be phoning them to check. Well i didn't apply, instead i mailed my MP who seems to be on summer hols with the rest of them. My next signing is looming, my future boss phoned last night to tell me a car will be delivered next week, he will phone me on Monday to confirm my start date which will probably be the Monday after. Simple question really, can i just put down my part time evidence followed by my reasons for not applying and "ive got a job" or is this likely to send them into meltdown?

Hi dont know if this is the right place i won an item on ebay i paid by cheque but the goods have never reached me.. they other guy has cashed the cheque,and i tried contacting him and the response i got was i dont live at that address any more wtf what can i do now?