Thank you citizenB, the link is very informative.

Hi Mamaris30, No Its not to personal, Business went into liquidation, no house or assets, very small income and my business insolvency guy recommended I should go personally bankrupt as I probably owe 60K+ so I have nothing to lose. My court defence was that the credit agreement was incomplete so not properly executed. The follow up letter from MBNA's solicitor told me that the agreement was ok and would proceed to court in 7 days. My reply was "bring it on"! You can waste as much money as you like in court as I will turn up and present a case and even if I lose you still will not get a penny as I will just go bankrupt.

Hi BankFodder, When I do here from the buyers, I assume I should reply as I would if the debt was just in dispute and report them to the OFT and Trading Standards for breach of OFT consumer protection 2008 and debt collection guidelines 2003 (2006)?

I have a disputed credit card debt with MBNA that after about 18 months of letter writing, I asked for and received an incomplete copy of the credit agreement. I disputed the claim and they sent me a county court claim. I mounted a defence and the claim was stayed in November 2010. I got a letter today (July 2012) from MBNA saying they have sold the debt on. Can a stayed debt be sold? I was under the impression that nothing could be done with a debt/claim until the stay was lifted. I have not yet had any correspondence from the buyers of the debt but would like to know how to respond when I do. I would appreciate any help.

"I think I read once (but can’t remember where) that when a debt is sold the recipient does not have to provide a copy of the agreement because when they bougt the debt it was a given that the debt was legally enforceable. There is nothing in the ACT that expressly says this unless someone can correct me...in fact it would be MORE favourable to sell on a useless debt for 'something than to sell on an legally enforceable debt..otherwise they would have pursued it themselves for the full amount" That makes good sence. I suppose if every case was inforcable there would be no need for dca, as the lenders would have in-houes solicitors to take you straight to court. Infact as there are so many dca's that shows there is no real point in going further than the threats and intimidation stage.

Thanks means2anend, thate good news!

Hi All, I have a letter about a credit card debt that says the debt has been sold to a DCA (Arrow Global/Wescot). My question is, Can I still request a copy of the credit card agreement after the debt has been sold? Would I request a copy of the credit card agreement from the original credit card company or the DCA? I think I read once (but can’t remember where) that when a debt is sold the recipient does not have to provide a copy of the agreement because when they bought the debt it was a given that the debt was legally enforceable. I would be grateful for any information on this. Thanks