CG have a read of this thread, I was told to and it helped me http://www.consumeractiongroup.co.uk/forum/showthread.php?429894-3rd-claim-of-3-MKDP-Credit-Card***Claim-Dismissed***/page2 . I was the same when I had to draft my WS. You are in a better position tho, as they have already disclosed. You want to address all the issues they raised in there's, and stress on the fact no default notice has been disclosed or issued.