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I applied for a Barclaycard in 1991. In 2011 I asked for a copy of my CCA as I believed I had never received or signed one. After much correspondence, in March 2012 Barclaycard stated in a letter to me that they could not produce said agreement and agreed the debt was unenforceable. I believed the account to be in dispute and have not paid them while they sort this issue out. I heard nothing else from them. Barclaycard did not issue a default notice and none was ever mentioned on my credit references.
In July 2013 MKDP llp informed me that they owned the debt, £2503.03 in interest charges and started demanding immediate payment. I informed them that the account was in dispute and asked for all the correct paperwork regarding the account. None was supplied.
They have now taken out a county court action against me. It went to mediation yesterday. I asked them how they had bought this debt whilst it is in dispute and why if it was not, Barclaycard had not put a default notice on it. They asked if they could contact Barclaycard and take legal advice. The mediator allowed them to do this and we resumed today. MKDP cannot respond to my questions at this time. They need more time for their legal advisor to look at the situation.
I said to them through the mediator that this action should never have been taken, and the default notice they have put on my credit reference should be removed.
Any thoughts ?
In July 2013 MKDP llp informed me that they owned the debt, £2503.03 in interest charges and started demanding immediate payment. I informed them that the account was in dispute and asked for all the correct paperwork regarding the account. None was supplied.
They have now taken out a county court action against me. It went to mediation yesterday. I asked them how they had bought this debt whilst it is in dispute and why if it was not, Barclaycard had not put a default notice on it. They asked if they could contact Barclaycard and take legal advice. The mediator allowed them to do this and we resumed today. MKDP cannot respond to my questions at this time. They need more time for their legal advisor to look at the situation.
I said to them through the mediator that this action should never have been taken, and the default notice they have put on my credit reference should be removed.
Any thoughts ?
