Thanks Andy

Thank you kindly for your assistance. M

Thanks for the input citizenB I could contact the court and ask for paperwork, but sounds as though i'm embarking on a no win journey here. Can i ask the court at this stage to pay in instalments? Thanks M

CitizenB, no copies of original claim. M

Hi Ganymede, no i didn't. M

So you think i have to grin and bear it? M

Ok, yeah looks like a reconstruction of the agreement. Yes an old midland account. Does not contain my signiture, not dated either. As i remember the cca request was late too entering the account into dispute. Seems crazy they can get away with no signature. Thanks M

Hi citizenB, Thanks for the prompt reply, have uploaded now in pdf. Yes, i have applied to set aside as i was not in the uk when the claim was served. Now the court has asked for the details of my proposed defence. Many thanks M

Hi i am panicking after returning from working away for 12 months and finding a county court judgement for 991 pounds (by default) in the post. I have just applied for 'stay of judgement' to have time to prepare my case. The court has wrote back asking me to explain the nature and details of my defence. To give you full background, the debt stems from an old midland bank credit card. I placed the account in dispute on the 16th june 2011 after hsbc failed to provide a signed agreement under section 78 of the 1974 credit act.(i enclose the overdue response from them in pdfs) I heard no more about it until now. It seems the debt was sold on to MK rapid recoveries when i was away. If any anyone could kindly help me out with regard to how i formulate my defence, i would be extremely gratefull. M