Hi all, Have been looking on this site for 2 days now, i'm inspired by those who have made it through the SD process and extremely worried as I have been issued with an SD (2 days ago) delivered by courier from 1st Credit. ( I did not sign for it) The SD is very formal looking, the creditor is Halifax, the debt is in excess 9k for a credit card. My intention is to get this set aside on the grounds that I am disputing the amount, although I have never requested or sent correspondence to creditors or DCA regarding this, nor have i made any payments to reduce the debt, so don't know if I will be able to apply for CCA at this late stage. I am a home owner and do not want this to go all the way to BP. Any and all advice will be grately welcomed. Please help:confused: