I am in exactly the same position on my documents quotes solicitor hegarty peterborough when submitted my defence the changed solicitor to IND when yiou contact IND they attempt to convince you they are Hegarty now one month into the request for the credit agreements none supplied submitted a SAR all I have had back is copies of AKTIV Capital letters none of which I have seen before. Why start proceddings with no consumer credit agreement seems IND are trying to be clever, so case of holding your nerve, all my documents sent recorded post now saying collection of your account is on hold but cant b - they have commenced proceedings and i have defended the action waiting of the next move but seems to me MBNA - AKTIV- IND have a game plan to get a CCJ and then apply for an attachment to earnings all about moving qucker than the defendent any other info on whether a CCJ can be issud without production of the credit agreement or why should action be commenced without such agreement by the claimant is welcome . IND By the way only way I could trace then post code from the po box number street view and when you bring up debt bingo IND appear name on no documents so far only AKTIV Kapital hope this helps

:roll:Same issue with me need to point out they detail a solicitor hegarty peterborough when i put in my defence they changed the solicitor to aktive kapital but when you telephone they giive the impression hegarty solicitors but alas its IND regarding my SAR all Aktive Kapital have produced are copy demand letters no notice of assigment, no credit agreements no statemenents given i have requested they evidence the claim and interest charges. Lokks like IND may represent themselves saves costs but having commenced proceedings without any documents namely agreements seems poor to me. AKTIVE Kapital Ind seem to rely on you putting in no defence to obtain a CCJ to me you must request and defend evertyhting i have also asked for disclsure as to what Aktive Kapital have paid for this debt