So I ring Sainsburys and say "When was the last credit to this account?"

I thought we shouldn't ever phone them as no record of calls? Sorry for being completely clueless but I'm obviously in a panic.

How can I be any surer though? I have no paperwork after that showing any further payments were ever made. I don't remember giving them any else since or having any dialogue with them since.

Prior to that amount I last made a contractual payment at the beginning of July 09. I was then defaulted around September that year just noticed they added fees from between £10 and £50 (Collections fee?) over that period too. Would should my next step be?

No the last contractual was way before then. I thought the last token payment was June 2009 but I've found an old loan statement which says payment received 05/01/2010. It would only have been about 1/4 of a contractual payment but interestingly it is for the exact same amount as they charged me for a letter a couple of months earlier. I'm wondering it is was a fee refund but it doesn't confirm either way. So that would make it SB on the 5/1/2016 wouldn't it?

I've acknowledged claim now thank you. Can anyone advise on how to take the next step, I'm quite nervous about all this. But I'm sure it is SB.

Yes. I assume I need the defence option as it definitely looks like this is SB. Or do I just acknowledge to get the 28 day option and then write to Restons stating its SB?

I'm trying to do the MCOL but I don't know which response I need. Help! As far as I can see the default notice was served 2/9/2009 and the last payment was 05/1/2010 so there is no indication of any correspondence since then. So what is my next step?

Sorry, I've just re read my post and realise it came over in a rude way which wasn't my intention at all. I was just confessing to an atrocious memory. So if it is SB, do I contact the company or write something on the court form?

This dates back ten years, I can't remember I'm afraid. I would think probably five years.

Dates are definitely correct. So if the dates are correct, is this SB? If so what is my next step as I haven't done anything with the court papers yet.

Name of the Claimant - Arrow Global Date of issue – 04/02/16 What is the claim for – The Claimant claims payment of the overdue balance due to the Defendants under a contract between the Defendants and Sainsburys Bank PLC dated on or about Jul 2005 and assigned to the claimant Jul 2011. Particulars a/c no XXXXXXXXXXX DATE Oct 2015 Default Balance £XXXX What is the value of the claim? £3000 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Loan When did you enter into the original agreement before or after 2007? 2005 according to the claim Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned Were you aware the account had been assigned – did you receive a Notice of Assignment? Possibly, I am trying to hunt down old paperwork Did you receive a Default Notice from the original creditor? I have marked on an old note default notice Sept 2009 but I need to find the original paperwork to confirm who sent it. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No idea, I don't think so Why did you cease payments? New baby and hours cut at work made finances very tight What was the date of your last payment? According to the notes I've found June 2009 Was there a dispute with the original creditor that remains unresolved? I believe I disputed all the charges they were adding but it's hard to remember now Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Yes. They weren't particularly supportive at the time I think.

I'll approach that route then, I know some people have had success with mortgage companies and for more things I wouldn't expected such as ERC so I thought if mine was purely down to £54 a month arrears charges I would stand a better chance.

Sorry, I used to have a Mort PLC mortgage though I am now with another company. During my time with Mort PLC I incurred a few hundred pounds of late payment/arrears charges and contacted them asking for these back. They said no a couple of times and then sent me the above letter. So do I have a leg to stand on? Should I now go to the FOS? Are there many successes for these charges alone on that route or should I go for a court claim?

I am paying the difference into a separate account now so that I feel as if I am paying a higher mortgage but will use this money to clear something else or make a capital payment. Only worry is that the LIBOR spiked recently is that a sign of something?