Thanks in advance to all who read and offer advice. After just a few hours on this forum, it seems we are not alone.
I will try to be brief at to the details but I have today received CCJ Claim Form from Northampton Court, from MBNA via Optima Legal.
This MBNA card dates back only to 2008, so I understand my options are limited.
However, the defualt notice seems to fall short for the rectification date (DN dated 09/04/2010, received 13/04/2010, MBNA rectification date 26/04/2010, 13 days?) and also mentions the paragraph 8, which is not on my agreement.
Furthermore, I have lodged a number of complaints with MBNA regarding their methods, and in particular, phoning during unsociable hours, remaining on the line even after the call has been terminated, suggesting I'd simply labelled as a complainer etc etc.
Most of the things we've witnessed I've read about somewhere in these forums and yet they seem to be able to continue to ignore the UK laws and general decency.
Has anyone succesfully counter claimed against them for distress / harassment.
I would also appreciate any advice that could be offered in dealing with this Claim Form.