i will scan documents today but i dont think i have a default notice.

I do not understand the credit agreement what do you mean by default notice compliant . I need someone to explain to me what the documents mean, I have sent them to the citizen advice burea but they have not written back to me. the subject access provided me with statements, information held on computer and credit agreement. The credit agreement has my signature on it i dont think there is any fraud but how can i be sure its my debt. I need advise on how to proceed. I will not talk to the company chasing me for the debt because i think they have made errors and they want to try and talk to me before the court date. how can i defend this

Hi i have a court date on the 20th February 09 for charging order. i have also applied to have the judgement set aside. with various reasons I have a medical letter supporting my evidence . I am awaiting a court date for this. I have received the subject access from sainsbury bank but nothing from the company that is chasing me for the debt. When sainsbury closed the account the debt was £10,000 the company chasing me for the debt is saying I owe £12,500. I have never received any information from company chasing me for debt. on the credit agreement i have noted that the date of birth is incorrect however i did take out a loan from sainsbury but i cant remember the amount. while writng this email I have just received a call from the company chasing me for the debt I have not answered the phone they must have received the court papers asking for the judgement to be set aside. Should their legal department be calling me the figures just dont add up on the judgement they have served me they have not taken off the payments I paid them under pressure, also the debt they bought from sainsbury has increased by £2,500. What should i do should I call them back or wait until i get a court date for jugdement to be set aside.

I do not have the account number should i give them my previous address so they can trace me. i have sent a letter to the court to have it transfered to my local court I also telephoned court today and applied for a N244, I will be attending court. i cannot afford a charging order on my house especially if its not my debt.

should i contact sainsbury direct to ask for the subject access request or do I contact the company that has bought the debt. do i have to pay I have seen no information how this debt came about when i contacted the company by phone and requested a statement of account they said they would send it i have not received anything,

need help a charging order is going to be made on my house for 11.000. I ignore the ccj. i was being hassled alot by the company. i phoned them and paid £150.00. I wrote to them asking them for a statement of account this was not sent to me, i received aletter to say a interim charging order is being placed on my property. i did take out a loan about 6 years ago but it was not for this amount. i phoned the company last week to ask them for a statement of account but they said they could not give me any information over the phone because they have a diffrent date of birth for me. I dont know what to do how can i fight this charging order i have never seen any information to agree this debt i know i should of challenge the ccj am I too late. and probably i should not of paid any money to them Excuse my writing I have dyslexia