Thanks for the advice... am I wrong then in thinking that a CCJ would appear on my CR? I am new to all this, I assumed that if my CR showed no old debts that they would all be SB? I know the last payment on this would have been more than 6 years ago as most of them were set up by a con-man ex, and I found the strength to leave him in early July 05 so therefore there would have been no payments to any debt after this date (and I believe for a few months before as well). To stop any further worries, should I send them a SB letter? I dont want to rear their heads unneccessarily, but this seems far too serious. Thanks again.

Hi Dom, further to PM's you are in very good hands with Andy so nothing to add from me at this stage. Stay sharp and make sure you yourself are comfortable with the various sections of your argument and know it inside out. With any luck the bank will recognise their own difficulties and given the danger of your counterclaim perhaps reconsider their tactics. Will be watching with interest

They state in their WS that they have now disclosed in response to your CPR request.If you could scan in what you have received ie Agreement T&Cs DN NoA less any identifiable data.IMHO they have a nerve trying to reinstate this after being struck out but to request SJ also is incredible and their WS laughable.Any decent DJ would and should throw out their draft order but never the less we always get one so better prepare. Andy

Good luck. Brig.

Muckyhall are like those little sucker fish at the bottom of the fish tank sucking up lifes scraps. As stated they tend to go for debts that are either difficult to collect due to problems with the account or are already or very soon statute barred. S.

if muckyhall have this then it is prob statute barred

If it doesn't appear on your CRF then it is likely to be SB, it all depends on when the alleged debt was defaulted? It is possible that the SD they say they were going to issue was another flawed attempt at intimidating you into payment, and I highly expect they have used the threat of a SD as a debt collection tool, which is certainly frowned upon by the OFT. If you have heard nothing since, then let sleeping DCA's lie. You can however, for peace of mind check and see if they actually did get a CCJ by default by checking http://www.trustonline.org.uk/ It costs £8 and the info is sent direct to your inbox. If you have he

Defence I Marty the Defendant admit that on or about the xx xxx xxxx was invited by post/leaflet/flyer*delete to enter into an agreement with Lloyds/TSB and which was an agreement regulated by TheConsumer Credit Act 1974 (The Act). The particulars of claim are vague and do not provide sufficient detail to enable the defendant to plead effectively or at all. By way of example theclaimant has failed to confirm the date of Agreement/Account numbers upon whichthe cause of action is based. The Defendant has no recollection of and makes no admissions regarding theprecise purpose of the agreement or of its terms, conditions and other

Editied.

Hi. I'll see if I can edit it for you. It;s not just you it's happening to. My best, HB

This is SB so just send the SB letter, recorded delivery

Hi, GGN, don't forget your'e dealing with snail mail.

Hi, it's the usual rubbish, I would write back this time as a FORMAL COMPLAINT, Stating that you require STRICT PROOF OF THE ALLEGED £1 PAYMENT within 7 days of the date of your letter and do it in the following manner. I require you to prove that this alleged payment was mad and the following detail is required 1, The method of payment, Credit/Debit Card/ Cheque/ Postal Oder. 2. In the case of a card payment, the date of payment, the Bank issuing the card, the expiry date of card. the last 4 digits of the card number. in the case of a cheque, the cheque No. the Drawers name, the issuing bank, the account no. and sort