Sent Claim form for a debt I do not recognise

[c4r0line]

Received a claim? Yes
Issue Date: 29/10/2019
Have you Acknowledged the Claim?:No
Claimant’s Name:Capquest
Solicitors Firmrydens
Original Creditor:MBNA
Particulars of Claim:
1 The claim is for the sum of xxx in respect of monies owing by the defendant on a credit agreement held by the defendant with MBNA under account number xxxx upon which the defendant failed to maintain payments.
2. A default noticed was d upon the defendant and has not been complied with
3. The balance owed was assigned from MBNA to the claimant, and the defendant has been notified of the assignment by letter
Is the debt Statute Barred Don’t know. I don’t recognize the debt . It is not on my credit file so I have no way of knowing what this debt is or how old it is or even if I owe it at all.
List any letters you have sent No letter sent yet as I don’t know which one to send

Any Other Information or Background Details:
My defense for the court is as follows
Defence - Summary & Statement of Truth
Step 6 of 7
Claim Number: xxxx
Defendant: xxxxxxx

Top of Form

Defence
I was advised by Stepchange to dispute this claim on the grounds
that I do not recognise the debt. It is not listed on my credit
file and I have received no correspondence related to this debt. I
was also advised to say I need more information before I can
proceed with a response and that as this debt is not on my credit
file I believe this is statute-barred
I have sent a letter to the claimant directly

What do I need to send Capquest?

[Amethyst]

Have you filed your defence already ? If so when?

Issue Date: 29/10/2019

Have you Acknowledged the Claim?:No

Did you just put a defence in rather than acknowledge? Before the 15th November? Just making sure you have something in on time so you don't get a default judgment xxx

[c4r0line]

I replied online with
Defence
I was advised by Stepchange to dispute this claim on the grounds
that I do not recognise the debt. It is not listed on my credit
file and I have received no correspondence related to this debt. I
was also advised to say I need more information before I can
proceed with a response and that as this debt is not on my credit
file I believe this is statute-barred
I have sent a letter to the claimant directly

[c4r0line]

Court sent me an acknowledge letter stating a copy has been sent to the claimant if the dispute cannot be resolved informally the claimant will inform the court he has 28 days to respond

[Amethyst]

Okay so you did file your defence and all is okay


First thing then - send a CCA request to Arrow - CCA Request - you do need to put a £1 cheque or postal order with it. This is important as if they cannot comply with the request you have a good defence to the case regardless of the rest.

1 The claim is for the sum of xxx in respect of monies owing by the defendant on a credit agreement held by the defendant with MBNA under account number xxxx upon which the defendant failed to maintain payments.

2. A default noticed was d upon the defendant and has not been complied with

3. The balance owed was assigned from MBNA to the claimant, and the defendant has been notified of the assignment by letter

Also to Drydens send a

CPR 31.14 Request asking for credit agreement, default notice and notice of assignment.

and send a SAR directly to MBNA - Subject Access Request Letter

or online

You can get a copy of all the personal information we hold about you by filling in this formget a copy of your personal information or by writing to us at this address:

MBNA Ltd DSAR
Charlton Place (C42)
Andover
Hampshire