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I have been following this thread as I am in a similar position - old Mastercard debt now at the stage of it being allocated a small claims track. It does state that if struck out the claimant (HPH2/H&C) has to pay my costs, as the debt is £11k+ with their interest, fees etc, i.e. over the £10k level. my defence was the total lack of any acknowledgment of my request for info regarding s77a/s78 and 86B. When it went south and M/card closed my account the rate had gone to either 19.9% or 29.9% (latter I think) and heaps of late payment/non-payment type £50ers added to their party trick. I was living abroad and so got any info well after the usual 30 statement, which stopped completely when they closed the account as I was paperless and no longer got access to what was happening. I first got this card about 35 years ago. Applied for the standard CCA and made the CPR31.14 request too. Nothing so far in return. Just wondering, in the absence of almost everything I have read on here and other similar sites (excellent service BTW), if the s77/78 86B claim has any merit whatsoever. Also, as we have to produce evidence, aside from a witness statement, what else do defendants typically produce in court from their own records? I have perhaps one or two old M/card statements, but nothing else really. Thanks in advance. Sorry, I did as requested and started a new thread. Nothing to add really.