Thanks, yes I'm 100%. The defaults were removed from my credit file in March last year and I haven't made any contact about these two accounts since the last payments (over 7 years ago). I have done a bit of reading on this Practice Direction stuff, will it not matter at all that I have not responded but then subsequently use SB as a defence to have any possible claims struck out?

I have received two letters today for "formal demand for payment made in accordance with the Practice Direction - Pre-Action Conduct of the Civil Procedure Rules". These are for an HSBC overdraft and Credit Card that I know are statute barred. Should I reply now with the SB letter or wait for the claim forms?

The credit limit was £500. CRA says default amount £772 and current balance £795. Thanks, J.

Thanks for the response, will get the SAR off ASAP and will send a letter to Red/Hamptons saying it's in dispute. Cheers.

Hi everyone, I have a barclaycard debt that defaulted in April 2009 for £790. The account was opened in 2001 and I know that there have been charges on this card that would cover a large amount of the balance owed. Earlier this year I started receiving letters from Lowell chasing the debt and sent a CCA request to which I got a reply with a reconstituted agreement. They passed on to their other department Red and it is now going to Hamptons to see if they will apply for a CCJ or SD. I know that I need to send a SAR to Barclaycard to get proof of the charges but I am after some advice to what action I can take, I have two questions; 1 If and when I get the statements and evidence of charges, would I just send a claim to Barclaycard and then send a letter to Hampton's saying the account is in dispute? 2. Is there anything I can do now to keep Hampton's at bay? I am a bit worried that they have a track record of issuing SDs and this debt is, in their eyes, over the £750 limit. Thanks, J