Well, letter sent so I guess all I can do is wait & see what happens. Thank you again for all your comments & assistance so far and will let you know what happens next!

No I have never received a notice or anything else from the claimant I have never had anything from them. And in response to Oleg, It is not related to Barclays or any of the other banks he mentioned. Thanks as always

Thanks for coming back to me, now I feel worse than I did before but as I have never experienced anything like this before I guess I panicked...I agree I wish I had of found this particular forum first of all, there is an awful lot of information out there and when you feel like the clock is ticking you do panic. Yes, it was submitted online.

Hi Citizen, Thanks so much for coming back to me - much appreciated. I can't even begin to explain the stress this is causing me, I have never had to deal with anything like this ever before & I have been completely overwhelmed by the amount of information out there. I was away when the initial form came and only just got in time with the acknowledgement, unfortunately I have (maybe foolishly) submitted my defence - I think I had some bad advice before I found you lot! Basically I just said that I had never heard from these people before, I have no idea what this claim is about and I have no relationship with the bank that they mention and that I would have to write to them for more information and then may have to alter my defence based on this. I'm now even more stressed as from researching more on the internet it appears that this needs to be done pretty formally and I have probably made things worse. The claim form is as follows Claimant IND LTD PO Box 239 Stamford PE9 4WX Address for Sending documents Hegarty LLP 48 Broadway Peterborough PE1 1YW Particulars of Claim The claimant is the Assignee of a debt(s) from **Bank**. Notice of Assignment was provided to the Defendant by the Claimant in writing. Despite demand for payment the assigned debt(s) remain due. The claimant complied with section III and IV and Annex B of the PD Pre Action Conduct. And the Claimant Claims: Credit Card Account Number: xxx xxx xx x xxxxxx balance of xx,xxx.xx as of xx 09 Interest under s69 of the County Court Act 1984 at the rate of 8% a year from xx to xx/13 of £2xxx and also interest at the same rate up to the date of Judgment or earlier payment at a daily rate of 2.35 AND costs. Just typing this out is making me feel sick. Any advice would be greatly appreciated as mentioned above I might have done the wrong thing already but I was completely gobsmacked when this landed on my doorstep. Thanks.

Hey Guys, I hope I have posted this in the correct forum. I have been reading & reading trying to find answers before posting but I am completely overwhelmed with the amount of information. I recently received a county court claim from a company called IND Ltd for an alleged credit card with a bank I have never dealt with. This is the first time I have ever heard anything to do with this, I have never had a letter or phone call of anything from IND before and I am completely stressed about what to do next. I was away on holidays when the court paper arrived and only just got in time to acknowledge and having spent hours & hours searching/researching on the internet, I should have just posted a query. I thought the best thing to do would be to write under section 77 but having read literally 100's of other posts it seems this may have been the wrong thing to do?? I know you guys seem to be dealing with this type of thing all the time but I am completely stressed out by this so I would greatly appreciate anyones wisdom on the best way forward. Look forward to hearing your thoughts.