And here's what an embarassed defence looks like and of course it involves dear Capquest (Post 12):- http://www.consumeractiongroup.co.uk/forum/legal-issues/261222-court-papers-received-ffom.html

As you only have until 21st to reply you may have to ring Northampton on Monday and ask to speak to the court manager to advise them that you have only just received this claim and why. If the time limit was not so short I would be advising you to complete the acknowledgement of service and submit what is called an embarassed defence.

If you haven't acknowledged the alleged debt or paid anything towards it for the time period you mention then they are out of luck, here's a link to help, plus if you use the drop down search box and type Capquest you will come across lots of other people in the same position:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/146530-have-you-received-threatening.html

Ok here you go:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/211306-new-tack-supplying-cca.html

Its extremely annoying I agree particularly with regard to the relatively small sum you allegedly owe, however for the moment I would concentrate on the CCA and SAR however I am attaching a link for when you win against MBNA and Arrow regarding default removal, I'll return shortly with another link which I think you'll find helpful:- http://www.consumeractiongroup.co.uk/forum/legalities/24013-defaults-proposed-method-removal.html

Hit 'em where it hurts JMS:)

Hi Survivor, Keep your chin up - a lot of us have been there, here's the link you asked for earlier:- http://www.consumerforums.com/resources/templates-library/58-helpful-external-links/229-the-information-commissioner-data-protection-etc

Have you seen the following link Panther? I would have thought they should be shaking your hand off with the offer but make sure you have a paper trail and that they put it in writing that this is your full and final offer/payment! http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html

Yes, I can see the council tax is the biggest problem, don't know the answer to your question so giving your thread a bump.

Sorry forget the above mentioned sticky for the moment, this applies when they have raised court action. Have you had a letter of assignment between MBNA and Arrow Global?

As you say, dreadful behaviour, standard for MBNA. No you don't need a lawyer, you can do this with our help. Seems like the CCA request was part of another letter, so use the template in the debt collectors library, send it with postal order for £1. don't sign the letter and send recorded delivery. MBNA have 40 calendar days to comply with SAR, if they don't comply complain to the Information Commissioner. Again standard behaviour for them, they didn't comply with me and then not fully until they took me to court. Have you looked at the sticky "Getting them to reveal their vitals", by the way the CCA request should go to Arrow Global since they have commenced hassling you, hang in there.

Why not get the guy who quoted £45 to replace to look at it and give you written estimate and take a photo of offending burn, then armed with the evidence try to negotiate?

Hope they come up with the goods, this sounds very like the problem I had with Harveys about 7 years ago, they must employ sociopaths too because after much chasing to speak to a manager the classic excuse was "all our managers are out on the road". To cut long story short, took them to small claims court and judgement against them, by the way, I took photos of the offending items, had to send the bailiffs in to one of their stores to get the money!

You could check on the royal mail track and trace site to see if the afore-mentioned have been delivered, print it out if they have and attach to paperwork. Other than that sit tight and enjoy the football (games other than England's!)

Here's an interesting link:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/237096-overdrafts-covered-ccas-6.html

So forget the catalogues, they won't have agreements, good news about the loan and one CC, now why not go on to do the others as well. With regard to the overdrafts, any charges on them? If they took you to court, the DJ would look at your circumstances and set payment to suit, then if you broke that, you would get a CCJ, you have no property they can get hold of so you are safe and so is the car. Your credit rating is stuffed anyhow. I know it can all seem a bit much taking these credit cards on and you can seem to be drowning in paperwork but at least you are being proactive. Have a look at the legal successes forum for people who have been successful in dealing with the catalogue companies.

Post 76 of the following link, bit about default notice:- http://www.consumeractiongroup.co.uk/forum/mbna/97485-mbna-cca-received-5-a-4.html

Hi TTD, yes sure am.

You could but then you would be expected to supply an income and expenditure form. The thing with people like CCCS is they will only help you if you go along that route. Why not CCA the credit cards to see if they have enforceable agreements and the loan. The overdraft might be more difficult but then if it isen't too huge you might be able to come to an agreement with them to pay them off at a much reduced rate. Nothing ventured nothing gained.

Yes that's right TT, keep all the other stuff for when your case gets transferred out.

Still a bit difficult to see, I think if you want one of the site team to view you have to press the red triangle under your name but until then here's a link which may help:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/105315-my-agreement-enforceable-useful.html

Then part of your defence will put them to strict proof that they sent it. Also in my case v MBNA they had admitted they didn't even have an application form, turned up to court with blank agreement and just kept repeating that I had had the money and it was still owed, the DJ was totally on the ball and asked several times whether they had an agreement and they had to admit they hadn't seen one. Discontinued.

You don't need to send money for the CPR and you don't need to remind them.

Sorry to hear about this stressful situation tiglet, this hits a new low even for them!!

Hi Smudge, I am sorry you haven't been able to get more help than my pathetic attempt, but have a look in the legal issues forum and legal successes, you can sometimes feel as if you're going cross-eyed looking for info I know, don't know whether you found this link already but if not hope it helps:- http://www.consumeractiongroup.co.uk/forum/legal-issues/203298-guide-charging-orders-orders-8.html