In a similar situation to you but am already down the road of having received papers from Northampton - sadly we have a DJ who favours claimants so I have to be very careful before landing up with another CCJ!

The claim is for £2200 which includes the balance plus court fee's and I responded to the MCOL stating we will defend. What we have is 2 x reconstituted agreements with different dates on and some statements but nothing showing when it was commenced and nothing with hubby's signature on, the timescales for submitrting defence are quite tight I think we have about a week. I am rushed off my feet with work at the moment so struggling to find time to get on here to get it sorted out but thanks all the same for your help. Regards to the blanace they have charged £19.99 a month lifestyle protect which is not required or requested so should there be a counter claim against this figure?

Thanks Bazooka Boo

Also does this matter that there has not been a default notice issued on this account (pre-default credit card)

He received Claim Form - MCOL I assume. The POC is as follows : "The Claimant is the assignee of a debt(s) from Citifinancial Pre-Default credit card agreement XXXXXXX, notice of assignment having been given to the defendent in writing. Despite demand for payment £XXXXX remains due. The Claimant claims £XXXX and interest under s.69 County Court Act 1984 and costs. I've looked back through papers received - NO assignment received, We have received 2 x reconstitued agreements each is 14 pages long - no dates on either of them. Several statements - the dates on these statements confirm the credit card was live prior to April 2007 (apparantly this does matter). When a credit card is applied for online are the rules different? There is definately no document with hubby's signature on - I'm loathe to scan and put up the entire 14 pages of agreement but will if necessary

Well folks thank you for your advice duly taken, however, it appears ignored by Cabot, hubby received County Court papers this morning. I need a lot of help now - my last wandering into the County Court left me with a judgement courtesy of CL Finance What on earth do I do with this??

Hi folks I received a letter back from them today including "reconstituted original CCA" several statements and a threat that they are taking action now unless we produce a document from the courts confirming its not enforcible. Any idea's? Are we liable?

Thanks everyone, will get on with this straight away.

Hi Folks Well I'm in a bit of a quandry over 2 Cabot accounts this is the story for one of them, I've started another thread for the other - a few years ago (3 or 4) I challenged Cabot to produce a copy of the credit agreement for my hubby's Citicard. They never managed to do this but continued to write to him every 6 months or so to say they were still looking. Out of the blue before Christmas he received a letter as if he was a brand new acquisition to Cabot stating that they were going to collect on behalf of citicard etc. We sent them the don't know who you are - leave us alone letter. He has now received a "This is your last opportunity to agree a suitable repayment plan letter". We have still never received docs from them (on this account). What should we do? Any help / comments much appreciated

Thanks everyone, I have my full defence but this is something that was literally spotted 5 mins before my thread was started. I w as so used to looking at the blanked out spaces of my scanned in copies it never occurred to me that there might be a difference!! Will let you know what happens when I come out

Can anybody URGENTLY advise if the value of a county court claim can exceed the amount on the default notice - just spotted this when re-reading my paperwork - in Court at 12 noon today - about to set off but will check with my phone before I go in. Thanks if you can help

Well, defence posted last week to Court and cohens, I received this lovely letter from cohens this morning. "We refer to the above matter further to your witness statement titled "defence", the contents of which we note. Please be advised that the agreement was for the provision of a Debenhams store care which is part of the same group that administer Burtons store cards. We apologise for the other typographical error stated. With reference to your witness statement we respectfully refer you to paragraph 13 if (think its meant to say of) the witness statement of XXXXX, we can confirm that there is no legal requirement to state that the Notice of Assignment 'has' to be served by recorded delivery. We can further confirm the we have no recorded of the said documents being returned as not served (a few more typo's creeping into this paragraph too) In an effort to bring this matter to a satisfactory conclusion, our client is prepared to accept payment of £XXX.XX (£200 more that o/s balance) by instalments of £5.00 per month, subject to a Consent Order which will avoid the entry of a County Court Judgement being registered against you. We therefore enclose three copies of a Consent Order for your consideration. If you agree to the terms upon the Consent Order please sign all three copies and return them to this office immediately. We trust this is in order and look forward to receiving your reply." Bless them, they didn't even sign it. To the point in hand, obviously I am not going to accept their kind offer but more to the point - do I need to write to tell them and do I also need to contact the Court and provide them with a copy of my letter back to Cohens? - do I need to add this to my bundle? do I even need to mention it when we go back to Court in 4 weeks? What do you all think?? anyone else had this letter from them before?

My defence is done, will have to wait and see what happens next!

Hi Postie - Do you need any extra info? will try and get back online later today if you do.

Yes it was MCOL, we have until 25th June - Thanks Postie.