Hi all, j ust received a claim for an old disputed CC and having not looked at the forum for a while could do with some up to date help. Details as follows Name of Claimant : AKTIV KAPITAL PORTFOLIO AS ZUG BRANCH Date of Issue: 13th May 2014. Acknowledge by (+19 Days): Sunday 1st June 2014 Defence By (33 Days) : Saturday 14th June 2014 Paticulars of Claim: The claimant claims the sum of 3,827 for debt and interest. On 21/05/2005 the defendant entered into an agreement with MBNA for a credit card under reference XXXXX. On 31/08/2009 the defendant defaulted on the agreement with an outstanding balance of 3,258. On 22/09/09 the debt of 3,257 was assigned to Varde Investments (Ireland) Ltd, who itself assigned the debt to Aktiv Kapital Portfolio AS Zug branch on 03/03/12. Notices of Assignment were sent to the defendant in accordance with s136 Law of Property Act 1925. AND THE CLAIMANT CLAIMS 1. The sum of 3,257 2. Statutory interest pursuant to Section 69 of the County Courts Act 1984 at a rate of 8.00% per annum from 3/3/12 to 12/5/14 571, & thereafter at a daily rate OF 0.71 until judgement or sooner payment Amount Claimed : 3828 Court Fee : 185 Solicitors Cost : 80 Total : 4093 The claim is for an old credit card account started in 2005. Only received the first notice of assignment when requested, a letter from MBNA saying debt was assigned. Received a letter from Akticv capital on 9/3/12 to state they had purchased debt but no confirmation from Varde Investments. Default notice from original creditor dated 9th September 2009. It claimed payment of full amount rather than arrears so sent a formal complaint to MBNA dated 10th October 2009 stating they had unlawfully terminated the agreement and I viewed the agreement as terminated as of 7th September 2009. Have not received any notices of default sums, received a notice of arrears 27/10/11 from Varde and initially a notice of sums in arrears from MBNA dated July 15 2009. Having agreed to token payments and had interest frozen ceased payments following invalid default dated 9th September 2009. To date have received no response from MBNA regarding this letter. The dispute therefore is ongoing. Additional. Signed up for this card at a football match and the application was filled in by the agent. Initial letter from MBNA states the agreement signed complies with previous regulations not current. Does that make it unenforceable as not compliant with regulations at the time. Anyway any more info or copies of documents I am happy to help and hope the good people of CAG can help me