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I have received a claim issued on the 19/02/2020 for a credit card debt of around £4000k. I have completed the acknowledgement of service online stating that I intend to defend all the claim. The claimant are Asset Link Capital and their Solicitor is Kearns Solicitors. The Original creditor was Barclaycard. I have attached the Particulars of claim and I will be sending a CCA Request to the claimant shortly
Basically, I had a number of credit cards prior to 2006 when I was unable to keep up with the payments on all of them I wrote to all my creditors explaining my situation and with the help of stepchange I went into DMP with the creditors that contacted me. Quite a few of the Creditors issued Default notices during this time and I was dealing with them all through stepchsnge. I left the DMP in 2016 as I couldn't afford the payments and offered each creditor a token of £1 each month until 2018 when I just stopped making payments as I really couldn't afford anything and nothing has been showing on my credit record from then till date. I have requested CCAs from other creditors which have all come back as unenforceable but somehow, this particular debt collector has not been in contact until recently otherwise, I would have sent a CCA request earlier. Apologies for the long post but I want to ensure that I explain myself thoroughly so I can get the right information on what I need to do from here. I will appreciate you advice. Thanks
Basically, I had a number of credit cards prior to 2006 when I was unable to keep up with the payments on all of them I wrote to all my creditors explaining my situation and with the help of stepchange I went into DMP with the creditors that contacted me. Quite a few of the Creditors issued Default notices during this time and I was dealing with them all through stepchsnge. I left the DMP in 2016 as I couldn't afford the payments and offered each creditor a token of £1 each month until 2018 when I just stopped making payments as I really couldn't afford anything and nothing has been showing on my credit record from then till date. I have requested CCAs from other creditors which have all come back as unenforceable but somehow, this particular debt collector has not been in contact until recently otherwise, I would have sent a CCA request earlier. Apologies for the long post but I want to ensure that I explain myself thoroughly so I can get the right information on what I need to do from here. I will appreciate you advice. Thanks
