Hi Sillygirl1, It says it defaulted in December 2011. So I don't think quite old enough??

Hi Martin, There's a barclaycard on there but account status is closed. Then I can see a HPH2 record on there with account opened 15 October 2008. Thanks!

Hello! After many months they've cobbled something together, which they say is a "reconstituted agreement". Essentially they have taken screenshots of a computer system which includes some of my personal details?! The contents of which include my name and address, the credit card limit (Which is wrong) and bank details - of which is the current name of the bank and not the name of the bank at the time of the agreement. So far they've sent me statement of all transactions made on the card along with the above screenshots. It doesn't contain interest rates, T&Cs or anything like that. How should I respond? Many thanks!

Ok will do. Thanks so much for all your support with this. I shall update when I hear more!

Thanks Andy, I've submitted the defence. Given I've already paid the statutory £1 fee, I assume I should omit that from the letter. Or shall replace it with the fact they've already take payment or send another £1 cheque?

Amazing, thank you so much! Do I need to put the particulars of the claim at the top of the defence? Just to check you mean this link: http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015** Thanks again!

Ok will do! Thanks very much!

Yep it does appear to be working still...

Well, either way... I'm late! Wish I'd come to CAG sooner... live and learn. So can I still file a defence now?

Hi Andy, I thought my deference was due 28th. However, it appears I've made an error in counting the days. So it looks like I'm past due now.... Given the issue date was 14th December 2015. 33 days would land me on January 18th 2016?

Hi Andy, No, I sent one letter which requested the documents along with the fee. Think I may need to re-word that bit..

Sorry Andy, here we go: Name of the Claimant ? Hillesden Securities Limited. Date of issue: 14/12/15 What is the claim for: An agreement between MBNA and the defendant on or around 15/10/2007 ('the agreement') MBNA agreed to issue the Defendant with a credit card. The Defendant failed to make the minimum payments due and the Agreement was terminated. The Agreement was assigned to the Claimant. The claimant therefore claims 1000 What is the value of the claim? £1000 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? The particulars say 2007 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. Not the original creditor. This debt seems to have been sold on Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? No idea of what account this is. What was the date of your last payment? No idea of what account this is. Was there a dispute with the original creditor that remains unresolved? No idea of what account this is. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? N/A I've had credit cards underwritten by MBNA in the past but never directly with MBNA. So its hard to pin point. The particulars of the claim is too vague, sorry!

Hi there, I'm putting together a defence for a claim for ~£1000 issued 14/12/15 and I'm a bit stuck - any help would be greatly appreciated! Unfortunately had my head in the sand but now trying to get things sorted. I've done the acknowledgement of service and have followed guidance to request details via CCA letter on the 19/12/15. I've sent the £1 statutory fee to Mortimer with the CCA letter, which they've taken and replied to (24/12/15) saying they've asked for the documentation from their client (Hillesden). The claim is being made by Hillesden Securities Limited, for a debt they have allegedly purchased from MBNA. Mortimer clarke solicitors are acting on their behalf. Since Mortimer's response on the 24th, nothing has been received by either Mortimer or Hillesden. So now that the time is approaching to file a defence, I'm attempting to cobble something together So far I have: Any guidance would be greatly appreciated!

Thanks very much for the detailed response Andy. Very much appreciated.

Thanks andyorch / oc; I really appreciate your candid advice! So if I request evidence using the CCA letter to a DCA and they fail to respond and then subsequently make a claim. I'd then defend and when it goes to the judge, they'd ask for info and I finally get the evidence I asked for to pay up. But by that point, I've now coughed up more in time and money just because they've not followed the rules. And at worst the judge then adds on interest and you'd end up paying more on top! In your experience is the above typical? Really appreciate all your time in responding. I've never been in a court room so have no idea of what happens in reality vs whats on paper!!