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county court hearing PLEASE HELP


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I have an ongoing case with britanica recoveries who took over an MBNA credit agreement taken out in 2005. they are chasing me for over 12K! and am very afraid that if they manage to get my defense struck out I will have a ccj against me.

 

they have applied to court to struck out my defense of not providing the credit agreement.

 

I have received the alleged credit agreement with the signed page in 2005 but not the original credit agreement which from my research on the forum credit agreements pre 2007 were unenforceable.

 

can somebody help me with this pickle.

 

please help

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