First Direct have sent these in response to CCA request. They may well be genuine scans of the front and back of an original document. They have the same "Folder" reference at the top of each page (removed) and have "Page 1 of 2" and "Page 2 of 2" (although the terms are only a subset of those on a separate document, referred to at the beginning.) It doesn't look like it was properly executed - just "Agreement executed" in the box with no date. The date stamp did have a full date on it but it just says "Received", not "Approved" or "Executed" like others I have seen. Anyway, assuming they are both from the same original document, does this form an enforceable agreement? Some views would be helpful please as I'm being pestered by Metropolitan now.

Issue Date: 08 Nov 2012 Amount claimed [£2000] - I have hidden the actual amount but it is justa tad less than this. Court Fee: £75.00 Solicitors costs: £80.00 Total Amount [£2000] – again actual total amount ishidden Claimant: SIGMA SPV1 LIMITED Address for sending documents and payments (if different): HL LEGAL & COLLECTIONS 1ST FLOOR GROSVENOR HOUSE PROSPECT HILL, REDDITCH WORCESTERSHIRE B97 4DL 01527 586517 [xxxxxx\xxxxxxxx] – my HSBC sort code and account ??? Particulars of claim: Monies due under an overdraft on current account [xxxxxx\xxxxxxxx]betweenHSBC Bank PLC and the defendant the benefit of which was assigned to the claimanton 21/12/2011. The overdraft terminated upon the Defendants failure to complywith the terms of the overdraft agreement. The claimant seeks interest pursuant to section 69 of thecounty courts act 1984 at the rate of 8% per annum from the date issue continuingat the daily rate of 0.41 Any payments or queries should be directed to the claimanton 01527 586594 (phone) or email [email protected] I have been sent the following forms which I have not submittedyet. N1, N9, N9A,N9B On my credit file the HSBC account started June 2001. It is wasmarked as settled (balance £0) as March 2009. There have been no furtherupdates since then. I then have the following entry on my credit file for sigmared. Started Aug 1996 ??? with a default date April 2009, balance[£2000]. This entry is updated every month to date showing a balance of [£2000] I really do not want a CCJ on my credit history. However Ido not have the funds just yet but could if given more time. January 2013. Do I pay this now , fight it, or try and delay it. Overall IMUST avoid a CCJ due to my job. Any advice is really welcome.