Way back in 2007, before I discovered CAG, Carters instigated a County Court claim for £300 odd out of an alleged debt of several thousand. Having ascertained that they couldn't come after me for the rest, I decided not to fight it, and was paying them at a couple of quid a month (because I am on disability benefits that was all I could afford). That went on for 6 years until, presumably, the CCJ dropped off my credit file, at which point they stopped taking payments and cancelled the Direct Debit which was set up. Since the middle of last year, I have had a few letters, starting with Westcott, and then from Arrow Global who kept sending me Notices of Assignment to various DCAs and their pet solicitors, until I received the following letter: Clearly Brian Carter has sold the alleged debt on, but the question is can he do that where a CCJ had been awarded? And car Drydens Fairfax just take over a CCJ like that? I'd be most grateful for any advice on how best to proceed here.

Hello all I'm in the middle of two little debt 'messes' at the moment which I am trying to sort out. Not terribly successfully on my own, I'm afraid, but I'm learning quickly with help from these amazing CAG posts. My defence in a case regarding a cc debt is is split claim and vague particulars. The second case which I am now trying to address, is also a split claim issue but I have requested information regarding the account as I didn't have a clue what it was (this turned out to be an alleged overdraft from 3 years ago) and Claimant wrote back saying: 'We can confirm that the outstanding balance of £2*** relates to a current account held with HSBC bank plc. We acknowledge your request for a copy of the agreement, however, HSBC Bank PLC are unable to provide an agreement against a current account, a statement of your account can be requested, this being sufficient evidence of the balance outstanding.' Is this right? The statements the DCA sent me regarding the first case (credit card one) look like a strange generic print out and are certainly not on HSBC letterhead or anything - they don't look like proper statements at all as I am used to seeing. They also failed to send me a copy of the agreement, default, termination or assignment in that case. But saying they cannot give me ANYTHING in relation to this one feels even more weird. I am certain if this account is legitimate that there will be bank charges wrapped up in it which would have been disputed too. Any advice would be greatly appreciated.