Hi Recieved a Default Notice dated 22nd Feb 2010 from Halifax giving a remedy date of 15th March 2010 BUT halifax sent a Termination notice on the 8th March 2010 to state they have terminated the account. Not sure if a default has gone onto my credit file. How to I go about getting closure on this account once and for all, I want to add that the agreement itself is not enforceable. Could I possibly take halifax to court and get them to: 1 write off the debt 2 stop them from selling this on 3 remove the entry from any credit files 4 Claim £1000 compensation (inavlid default entry) 5 Claim damages for unlawfull rescission of contract What should my next steps be, I can feel a donation on the way to CAG here....especially if I get point 4 above 8) Thanks

Hi everyone. On saturday I received a court claim from Northampton County Court stating that a company called CAI Finance Limited have put in a claim for £1577.55 including interest. They state they were assigned a debt allegedly owed to Bank of Scotland PLC dating back to a credit card from 2003 which I apparantly defaulted on in 2010. It states they were assigned the alleged debt in August 2012. Wit a reference number relating to the credit card and that they sent a letter to me in September notifying me they were assigned the debt. There is no paperwork with it to state that they own the debt, that the debt is in default, or that the debt is actually mine. I dont to my knowledge owe Bank of Scotland this sum of money. It is the wrong amount. The last contact I had with Halifax which I guess is what the debt is relating to, was when I tried to arrange a payment plan for a much lower amount over the telephone which they refused to do, stating I had to pay in full. I then received a normal credit card statement requesting full payment. I was not aware the agreement was terminated or that the account was even closed. I do recall receiving a letter from a company stating they owned the debt a while ago and I did not keep the letter, but I recall that it was First Credit? I have no knowledge of CAI or the amount of money they stating, even without interest added. I never sent First Credit a SAR or disputed the debt. Is it too late to do that now? Can I ask for them to prove they own the alleged debt, or do I have to now accept that they can purchase a debt for a low amount, then make up a figure about what I owe and I have to pay? I have been dumb ignoring the halifax debt, but I was hoping that they would just leave it for a while. I have been unwell and have had money issues so didn't deal with it properly. Now I regret that as this is a pre-2007 credit agreement. Can I do anything to stop this becoming a CCJ for an amount I don't even owe?