Hi guys   I've not had to deal with anything like this so i just want to make sure nothing has changed.   I received a Court Claim Form for what I'm guessing is a old catalogue debt.   Claimant: Lowell Portfolio LTD   The POC says:   1) The Defendant entered into a Consumer Credit Act 1974 regulated agreement with Shop Direct under account reference ******** (‘the Agreement’).   2) The Defendant failed to maintain the required payments and a default notice was served and