ok, here it is...... Thanks! AT

Name of the Claimant: MKDP LLP Date of issue: 01 Dec 2014 (Happy Christmas!) What is the claim for: The Claimant claims the the sum of 12,964.30 being monies due from the Defendant to the Claimant under a regulated agreement originally between the Defendant and Barclaycard. The defendants account number was XXXXXXXXXXXXXXXX and was assigned to the claimant on XX/07/2011, notice of this has been provided to the Defendant. The Defendant has failed to make payments 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 12,964.30 and costs. The Claimant has complied, as far as is necessary, with the pre-action conduct practice direction. What is the value of the claim: 12964.30 + 410 costs Claim is for credit card Entered into the original agreement before 2007 Account assigned and transferred to the Debt purchaser who has issued the claim. Received nothing headed "Notice of Assignment" is this what it would have had to say? But they bought the debt during 07/2011 Did you receive a Default Notice from the original creditor?: I think from Mercers Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?: No there is nothing in our records to show this, we have kept all letters from DCA's, would this have come from Barclaycard or DCA? Why did you cease payments:- My Wife and I had the same employer which 9 years ago suffered an immediate and huge loss of revenue from a large customer, my promotion withdrawn, no bonus pay increases etc just after we bought a new house. Had to use cards to make ends meet, took secured loan to pay cards (HUGE mistake due to rip off rate rises that’s for another thread) with the intention of remortgaging after fixed period expired, unfortunately this was then 2008, so mortgages became unobtainable, and to use cards again to make payments, Later on employer paid us late so missed payment date on DD with credit cards, so Barclaycard rate jumped from 6.7% to over 30%, ended up juggling credit cards until breaking point in 2010, since then all unsecured debt has been on token payments as advised by C.A.B. Wife very ill in hospital while pregnant for three months then made redundant after having 1st child, became ill with post natal depression, not able to return to work. Managed to sell parts of property to reduce secured borrowing to less than half original amount and pay arrears at the time, still unaffordable though. Wife then ill in hospital with second pregnancy for nearly six months diagnosed pre-natal depression and then post natal, still being treated 3 years later. Hanging on by skin of our teeth trying not to lose house but most importantly mortgage, as with our now ruined credit record would be hard to get new one. PLEASE DELETE ANY OF THE ABOVE OR BELOW IF ITS IRRELEVANT OR TOO PRIVATE Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, originally with mercers who could not accept token payments officially but said to pay them anyway, but they quickly handed to Moorcroft, then when MKDP took over the account in July 2011, we received first contact in August 2011 we were very confused as their letters only listed their own Reference number and that it was for a Barclaycard debt, no credit card number to identify which card it was in relation to, my wife also has a Barclaycard debt that I became point of contact for and also an Egg card debt that keeps getting referred to as Barclaycard. At the time we were convinced that moorcroft had the debt and thought that due to the lack of detail on the letter from MKDP that it was a mistake. Then 1 year later Sept 2012 they sent another letter saying Final Notice and that they would transfer debt to pre-litigation department. We sent a letter to them a fortnight later, saying that we do not know which one of our card accounts this relates to as there was no account number in their letters, and could they send us some more info so we know which card they are dealing with. Just under 2 weeks later we had a letter from them to say that they were in receipt of letter and thanks for writing, that they were unable to resolve query and would liase with original creditor. They said they would conatct us as soon as a response received but no later than 8 weeks from the date of the letter. We actually got no response until late March 2013 but it was another letter saying that they were unable to resolve query and would liase with Barclaycard. They said they would conatct us as soon as a response received. Then another letter early April stating that they were unable to resolve query and would liase with original creditor. They said they would conatct us as soon as a response received Quickly followed a week later by a letter saying please find enclosed documents that you have requested RECONSTITUTED CREDIT AGREEMENT. This was weird as I had never requested this, I only wanted to know the account/card number. Even weirder was that included with the reconstitued agreement was a letter addressed to me from Barclaycard dated March 2013 referencing MY request for the section 78 information request. I made no such request and can only imagine that MKDP forged a letter from me to Barlcaycard in my name!!! Now having the card number we wrote to them at the beginning of May 2013 to explain our dire circumstances and to make a token payment of £5 per month as advised by C.A.B. Just over a week later they replied and said that they were unable to resolve query and would liase with original creditor. They said they would conatct us as soon as a response received, identical letter received in June, July and August 2013. We wrote again in November 2013 to say we had not heard from them as to whether they accept our offer of payment. (all this time we were unable to pay them token payments as they had not provided any bank details) We then heard nothing from them for over a year and assumed they had passed the debt on, the period of silence has become quite common when there are gaps between DCA’s that we have dealt with. Then this month we receive the County Court Claim Form. I have contacted Barclaycard customer service who deny that MKDP contacted them since the debt was sold and certainly was not liasing with them, they said the the debt with them is effectively settled and is now sole responsibility of MKDP and has need since July 2011. So all of the afore mentioned letters from MKDP are lies! What can we do next, we have no money to pay anything other than token payments, our income and expenditure still shows serious deficit. I don’t believe that this should be going to court as they have dealt with this account poorly and obstructed us from payng them any money. We HAVE been in contact with them! I feel that trying to claim the full amount owed through court when they will only have paid a fraction of the amount for the debt is totally unjust. I owed the original amount to Barclaycard, they have written that off now. They may have tried phoning throughout the process, but I never answer again as advised by C.A.B. Should I try to speak to them over the phone to point out their shortfalls in the hope of them withdrawing court action? Never been to court before and am afraid, don’t know what to do for the best, please help!

Good evening I wonder if anyone could advise me on here please? I live with my partner in a house mortgaged by NRAM we fell into financial trouble some years back and took out a secured loan on the property for £15,000. We made payments then Welcome got into trouble and we heard no more for a couple of years. It would appear that Raven bought the debt and they are chasing us for payment, we have an arrangement to pay £100 off of the balance of £26,895.00 (the original loan was 15K). Can they repossess the house although NRAM have the first charge and there would be no equity in it? They keep threatening to and it is freaking me out a bit. Thanks Deb