I've been a member for some time and though have used a lot of the advice found here (thanks) but this is my first post. I need some urgent advice please. I took out an Aqua Credit card back in 2006 which fell into arrears after in 2011 I unfortunately became unemployed and could not repay. The CCA agreement has Halifax Plc as the creditor. The debt was sold on and a court Claim was issued by Aktiv last year for £1700. The particulars of claim states that the credit agreement was with Progressive Credit Limited, and that the account was assigned from Progressive Credit Limited to the Claimant. It also states that I defaulted on the agreement in 2012 but does not state whether a default notice was served. Following my CCA and CPR 31.14 requests, Aktiv's solicitor, sent me the credit agreement with Halifax dated October 2006 along with credit card statements. They stated that Halifax was using the Aqua card under licence from SAV limited, the parent company of Progressive Credit Limited. I have no idea what this really means. I filed a defence that I never had a credit agreement made with Progressive Credit and I have never been provided with a default notice or termination letter. There is a hearing coming up. Do have a leg to stand on with this line of defence? Can they succeed without having to produce termination letter/default notice? Any thoughts would be appreciated.