Hi Andy and thanks for the reply. I haven't done a CCA request because I have been making payments through Payplan to CBS Transcom that they have been receiving since July 2006. What do I do? Do I fill in the form , as Payplan advised, and then just let the court decide (which we really don't want to do) or mount some sort of defense? (which we don't know how to do)

Thanks for the reply fedup74, there was a default notice sent on 23 July 2007 from Arrow Global LLC, this is the only one that I can find. As far as charges go I have looked at the statements that I have and there are charges on them, if that's what you mean? Sorry, I am new to this and am unsure as to what I am doing:confused:

Hello, this is my first post and I am in desperate need of all your help. My wife had a Halifax Bank of Scotland card that was sold to MBNA in January 2006. In July 2006 we contacted the National Debtline who in turn passed our finances onto Payplan. We have been making regular payments ever since. MBNA have sold the debt onto CBS Transcom or Arrow Global LLC (TBH I am not sure who now holds the debt as we receive letters from both, but it appears to be mainly Arrow Global LLC now). My wife has received lots of threatening letters and calls from both Arrow and CBS Transcom and then Cope's solicitors. Today she has received a County Court claim form and is really panicking as to what to do? She has contacted Payplan who said to fill in the relevant sections and then post it to their legal department, and a CCJ will probably be issued but don't worry about it:eek: My wife doesn't relly want a CCJ against her and really wants help as to what to do? The Particulars of the claim say the following; 1. The claimant is assignee of the debt from MBNA Bank (Europe) Limited ("The Assignor") The claim represents the balance of payments due under a loan agreement made between the assignor and the defendant regulated by the Consumer Credit Act 1974. 2. The agreement provides for: Payment for equal monthly installments; and in default the assignor may recover the balance of the principal sum: and all charges provided for. 3. In breach of said agreement the defendant failed to make payment or comply with a default notice served by the assignee the agreement was terminated accordingly. 4. The balance payable by the defendant is £xxxxx, which is claimed together with costs. The claim for has been issued by Northampton County Court Bulk Centre, and the claimant is Arrow Global LLC, and the address for sending documents and payments reads Cope's Solicitors. Sorry about the length of the post but I have tried to put in all the info that I can. Please can somebody help us. Thanks in advance