I have just had a similar experience with 1st Stop & Uncle Buck. One thing I'd advise checking is the alleged Notice of Assignment and Notice of Default - I spotted that the signature supposedly from Uncle Buck was identical to the one supposedly from 1st Stop and that the Default Notice was dated after the Notice of Assignment From web research it seems to me that 1st Stop's approach is to 'carpet bomb' potential defendants using MCOL in the hope that many will simply not respond thus gaining them a judgment in default My case was struck out as they did not turn up to the hearing, which again seems a common occurrence. I have complained to the ICO & FCA - if you are in a similar position please also complain