Well AFAIK they can't do this, as each account has it's own separate T&C's with different interest rates and penalty clauses etc etc etc.
So they're on to a loser straight away.
have they indicated a reference number at all regarding the new agreement (consolidated figure)?
Please relax about ''Court''!!
You've been reading too much of their own garbage on their websites.
And you can most definitely ignore the rubbish they print on their letters, it's all very cleverly designed psychological mumbo jumbo, printed by a computer.
You ignore them for as long as they fail to send you what you demanded, and then it must be enforceable or you can continue to ignore.
Well if they've consolidated all of the accounts then they're going to lose, unless you have taken out another credit agreement with them and signed a fresh document, they're going to find it extremely impossible to even get it in front of a DJ, least of all force you to pay!
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!