Hi everybody, new poster and new to this, so be gentle with me! I too am having a problem with MCE, to the point where they have now filed a claim on an old BCC agreement. Looking at the advice given previously by 42Man I have sent them a letter requesting a copy of the credit agreement and also a slightly altered (as they have already taken legal action) version of 42Man's letter within his post; and have acknowledged the claim through the online service. My problem is I am booked to go on holiday in a week and a half, and won't be around to see if they send any reply... and I get back two days before the end of the 28 days following the date of service! Can anyone offer any advice on whether I can delay the action to allow me time to organise a defence, and also can I request that the claim is transferred to my local court to make it easier to attend and/or defend as appropriate. (which hopefully will also give me more time) Thanks in advance, already been really helpful to me reading what other people have put.