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I have received a Claim, via Northampton, from Restons for an assigned MBNA CC debt. I have used the advice on this site with good effect with MBNA, various debts collection agencies and solicitors but am now faced with this POC saying I have a contract with MBNA – which I need to reply to the court by the 31st March: I have CPR 31.14 Restons and they refuse to acknowledge my letters saying there is no signature so they cannot verify my identify, despite my first letters being acknowledged. The request expires in the next couple of days.This is standard for Restons from what I read here. I know they won't acknowledge a request for an extension to serve a a N244 do I persist and enforce the request of documentation because it is shakey or do my save my bunce, identify the lack of documention and cooperation and to the court in my defence and use “The Mould's” letters of the proof of their claim. How valuable an asset is having a Statement of Account signed by an MBNA staff member and the covering letter indicating this to my defence, as possible attempted fraud, or will this be put aside as a 'clerical error'? I have lots of other 'clerical errors' as a defence. Any advice would be good - as to the direction I should take - Thanks everyone, you've made peoples lives a lot easier out here in the woods.
