Many Thanks guys for your help so far it is much appreciated I have done what DX suggested sent a statue barred defence in the court have acknowledged and said the Lowell solicitors have 28 days to reply or their claim will be struck out (not quite sure what that means) I did send the CPR 31:14 to Lowell Solicitors requesting copy of agreement, Letter of assignment and default notice they have replied sending a letter of assignment from Lowell Portfolio1 to them Adding they have approached CAP 1 for the agreement ETC I did reply and ask for the letter of assignment from Cap 1 to Lowell P. That was it its gone very quiet worryingly !!!!

Sorry Guys first time of using this so I apologise if its a bit of a ramble In 2002 I took out credit card with Cap 1 my credit limit went up to £1200 all was ok till around 2007 when I was at my limit but not over when interest and insurance payments took me over the limit I carried on making payments but now I was getting over limit fees as well as the interest and insurance charges. In 2008 due to the economic climate my employers cut all overtime and bonus payments to preserve jobs. I could not at the time afford to clear the over limit amount despite speaking with cap1 about the fees they were charging I was told I need to clear the over limit to stop any further fee so with a balance of approx. £1800 I stopped (poss. wrongly) payments as the actual loan amount must have been paid and the rest was just interest charges and insurance. in 2009 my account was defaulted with a balance of £2150 fast forward to 2012 when my account was sold to Lowell. they contacted me I sent a letter saying I do not acknowledge any debt. to them in my opinion the balance was charges and interest and insurance and I suggested they contact Cap 1 for payment I also requested copy of my agreement and a list of charges etc. I never received this. I would receive the occasional call from them I would say im not paying put any comments in writing I have now arrived home from working in Scotland to a county court summons dated 16 March from Lowell Solicitors on 2nd April I have sent an acknowledgement disputing the claim. I now have until the 14th to file my defence this is where I need your help do I have a defence? another prob I think I have is I have shredded all old paperwork its over 6 years old and I have changed bank accounts so I have no access to payments etc. you help would be appreciated even if its to tell me I need to pay up thanks