Morning all, Apologies for the long post but I am desperately seeking some help/advice from those of you in the know about SCC and DCAs. I have been attempting to defend a claim with Arrow for an old MINT credit card which I have but think I may have shot myself in the foot and wondered if there's any way I can come back. Unfortunately, I buried my head in the sand regarding quite a few debt issues I had in my teens/early twenties so don't have the original paperwork for any of this. I will give a brief summary of the events so far:- 5th February 2014 - I received a claim form from Northampton County Court Bulk Centre with the claimant Arrow Global stating the following particulars of claim:- "The claimant claim is for £1401 being monies due from the Defendant to the Claimant in respect of a regulated credit card agreement between the Defendant and the Royal Bank of Scotland (card number XXXXXX) and assigned to the claimant on 15/12/2010, notice of which has been provided to the Defendant. The Defendant has failed to make payment in accordance with the agreement and a default notice has been served pursuant to the consumer credit Act 1974. The Claimant claims the sum of £1401.00." 6th February 2014 - I sent an SAR request to MINT (RBS), CPR and CCA to Arrow, all letters were all sent recorded delivery and received on 10th February. 1st March 2014 - I submitted an embarrassed defence (I know now that there are several mistakes in this) as I hadn't received any of the requested documentation. My defence was as follow:- 1. I neither deny nor admit to any indebtness to the claimant. 2. I sent the claimant a CCA request in accordance with s.77/78, requesting a true copy of the credit agreement, along with any other documentation that the Act requires. 3. The claimant received the request on 10/02/2014. 4. As of 03/03/2014, the claimant has not supplied the requested documentation. 4. A SAR request, in line with the Freedom of Information Act was sent to Royal Bank of Scotland. 5. Royal Bank of Scotland received the request on 10/02/2014. 6. As of 01/03/2014, Royal Bank of Scotland have not provided me with the requested documentation. 7. No Notice of Assignment has been received which would prove the Claimant's right to bring this action. 8. Without the requested documents I am unable to submit a fully particularised defence and the Defendant is embarrassed. 9. The Defendant also asks permission to submit an amended defence if the Claimant supplies the requested documentation. 4th April 2014 - letter from Arrow stating that my embarrassed defence on the basis of a document request does not form a valid defence and that they believe this to be an abuse of the process. In their letter they state that £40 was credited to the account on 5th August 2009. They have also enclosed a document stating that Wilkin Champman (their solicitor) has ceased to act for them and they will be acting in person, as well as a letter dated 18th March 2011 stating that RBS has assigned all of its respective rights, title and interest to Global. I am under the belief that I have not made any form of payment in relation to this debt in a long time (possibly more than the 6 years required for a debt to be SB) and I've checked my bank statements as far back as 2007 but can't see any record of payments to Mint during this time. When I spoke with MINT recently they claimed that a payment was made in July 2011, but they said they couldn't tell me more as the debt was now owned by Arrow. I have checked my credit report with Noddle and can't see anything on there relating to MINT/Arrow. Arrow want me to withdraw my defence which has worried me as I'm not sure what to do now. As it stands, RBS have told me that I may have my SAR request back by the end of April (the woman on the phone actually admitted that they were regularly breaching the time frame set) and I have still not received a response from Arrow regarding my CCA request. As you can probably tell. I am in a right muddle and am really hoping that someone may be able to help me with this. If you need any further information from me, please ask. Thanks in advance for your help.

I need some advice. I received a county court form for a very old HFC debt. I have been paying on and off for at least 10 years to various collection agencies (£10 / month). I have been pretty lazy in sorting this out but I received last week a county court letter (N1CPC). The claimant is Arrow Global, the particulars name TBI financial. The original loan was so long ago I cant even remember exactly how much it was for (I think it was 2K). They are claiming I owe £4300. Can somebody advise my best course of action.