Hi Toxicdebt I will read your case when I get home and I'm feeling a little better to know there are others out there. Regards and thanks

Hi. Perhaps I ought to add, I got no response from MBNA but a few months later got variou DCA's writing and ringing up. Whenever I mentioned my request to MBNA and asked them to speak to their client (MBNA) I then would not hear anything for a few months. I sent the £2 fee by Postal Order and also got 'proof of posting' for the letter. I have searched the house top to bottom and cannot find them. Perhaps not surprising given I'm not a very organised person and this is well over 2 ago.

Hi Citizen B I have acknowledged the claim and as such trying to get my defence in place. Although a fairly confident person I know that if against a knowledgable solicitor and probably a judge who doesn't want to be bothered with a 'non-legal' person, I'd be severly dis-advantaged. I had not seen the other case you referred to but will look now. [ATTACH=CONFIG]39906[/ATTACH] Hopefully I have managed to get the letter attached with details XXX'd out Thanks for your time and consideration

Hi you guys. Many thanks for the offer to have a look at this matter for me. Here is the Court Claim details. ARROW GLOBAL GUERNSEY LIMITED BELVEDERE Claim Number 2XXXXXXX Defendant MR XXXXXXXX Amount Claimed £5,100.00 Court Fee £190.00 Solicitor Costs £100.00 Total Amount £5,390.00 Issue Date 15/11/2012 Address for sending documents and payments Shoosmiths LLP The Lakes Northampton NN4 7SH Particulars of claim The claimants’s claim is for the sum of £5,100.00 being monies due from the defendant to the claimant under a regulated agreement between the defendant and MBNA Europe Bank Limited (No. XXXXXXXXXX) and assigned to the claimant on 20/12/2011, notice of which has been provided to the defendant. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974 The claimant claims the sum of 5,100.62 C has complied as far as necessary, with the pre-action conduct practice direction Number (Note no number given) I received a response to my letter to Shoosmiths and the solicitor has asked me to send a copy of my original letter to MBNA. After a lot of messing about with a defunct PC to get a copy off, I now have this. Question. Should I send him a copy??? Again, many thanks for your help.

Hi All I’m hoping someone can be of help to me on here, be that telling me what to do or directing me to a previous thread. I have received a Court ‘Claim Form’ from Northampton County Court issued by Shoosmiths LLP on behalf of Arrow Global who in turn had purchased my MBNA debt. I had originally written to MBNA in March 2010 asking for a true copy of the signed credit agreement(s) in their original form. I did not receive any response from MBNA and no contact apart from the usual Debt Collectors and other companies that obvious offer discounts if I pay it off. These companies tended to go away once I said the account was in dispute. Arrow Global obviously being made of sterner stuff. I have responded to Shoosmiths prior to the Court letter but these had possibly crossed in the post. I have requested the 28 days from the Court to prepare my defence. Shoosmiths have responded and they have asked me to provide evidence of my contact with MBNA for their consideration. My questions are: Will my ignored request to MBNA count or stand up in Court? I did have a proof of posting but cannot find this now. Even the letter was on a defunct computer that I had to get an IT guy to suck the files out of. Should I continue talking to Shoosmiths prior to the case? Have I any chance of coming through this? If this matter should go to a full court hearing I would not feel confident in representing myself. A friend has said they would lend me a few hundred £ to employ a solicitor. Anyone know of a solicitor who will defend/support me and is up to speed on these sorts of matters (and based in the East Midlands)? How come they have started proceedings now? Has there been a case heard that they have won and so feeling bullish or are they just hoping I will fold and pay? Many thank for your attention, time and consideration.