Hi all . I am new on here but not new to all this as this is covered on another well known site , but i want as many people to see and help me to help others for the future . The story goes ; In November 2001 i receive a letter from wescot to say they are now collecting my Abbey debt to the tune of £3723.20 . I agree to pay £50 a month , they agree and off we go . Now and heres the interesting bit , i n February of this year i receive a County Court Claim to the sum of £623.20 , i then phone them going mad saying what the hell is this doing on my doorstep , they reply stating that despite repeated demands payments are still in arrears , i tell them that it is not and never has been in arrears in 6 yrs , they say it has , i say not blah blah blah. (i have never been late other than postal problems ) The lady on the phone then says ,(and i have it all recorded ) to complete the dispute bit of the ccc and send it back to us , yes US (wescot) on 4 separate occasions she says this , i tell her the court want it not them !!. i fill it out and receive the next court step QA , in the meantime i send off the CPR request to Wescot , Abbey and Nelson guest , none of them reply within the time scales , but i finally get one off of Abbey with info up until what appears to be April 03 i think ?. Not a thing received from Wescot , but in the CPR it reveals they sold the debt from Abbey - Wescott on the 19/05/04 for £3923.20 ?? hold on 30 months and £1500 on and they have sold it for £200 more than stated in 01 hmmmmm . Right On the CPR there are 2 application forms , 1 is the card i had and was accepted for and the other 2 months later and that was declined , so deffinately application forms and they are using this as an agreement , also it states on an archive form that the last letter sent was on the 09/04/06 so where is the default and letter before action ????.hmmm . So at the mo they have no CCA and have failed on all aspects of procedure and protocol . I then receive a mediation date and i agree , the court phone up and after a too and fro wescot offer me that they will drop the fees and go back to the arranged payment , i say no thank you Noel NO DEAL i shall see you in court on 12th June . Vexatious Litigant is all i can say bring it on ... Any advice or comments gratefully received , DCA's who do they think they are ? GOD , i think not . Hi . Does anyone think wescot will turn up at court considering ; 1 ) there is no CCA only an application form with no prescribed terms. 2 ) they failed to comply with any procedure prior to CCC and CPR. 3 ) they say they bought the debt in May 04 when i have been paying them since November 02. Any info or court case study of wescot would be most gratefull as i want them to turn up on the day and have my ooosee 9mm filled with all the ammo i can . Worst case i lose and just pay the money that day so no bad stuff can be filed .... Best case i win and take them to the laundrette...... Regards diggy...:grin: Hi all just need a little advice please. My court date is 13th June 2008 and it says that all documents that you intend to rely on at the hearing must be submitted 14 days prior . Do i just send them any letters i sent but no need to explain why and what yet , thats on the day ?? Thank you and sorry to waffle .........DIGGY