I have kept all letters etc so am going to go through the entire file again and double check just who has taken over this debt. I can't imagine that this confusion is anything other than deliberate in order to discourage us fighting back. In the meantime do you (all or nay of you) think it a sound idea to write to the court as suggested above? I'll keep checking in

All the correspondence has come from Cabot. I have no letter of assignment. I have asked them for this and statements of account. They received it (post office tracking)and then exactly 30 days later sent a letter saying they would supply this info but it could take eight weeks. So therefore they have no letter of assignment. I have never disputed that I owe the credit car company something but again am disputing the total due to excess charges/ penalty charges. The only time I heard of Kingshill was on the court papers. I have had no correspondence whatever from them apart from this. I have filed my defence and have asked for the case to be moved locally and have said I am agreeable to settling out of court. I am due to see a specialist solicitor over the next week and we have another month to try and reach a settlement out of court. I will report them to OFT. Any comments guys?

Yes they have yet to prove that they "own" the debt. I will SAR the credit card company though and see what the charges are. I did read elsehwere that the court will make the company disclose what they bought the debt for...assuming they can prove ownership.

Also, all it says on the court form is use of credit card and it has been brought by Kinsgsmill who I understand are also Cabot.

It seems strange if they are doing this to prove they own it as I have merely asked them for the SAR to establish this which they haven't provided. I have done everything by the book and with other creditors who, as I said, have all settled with a resonable amount of correspondence. I have returned court papers and what I think is a comprehensive and straightforward defence and am counterclaiming for my excesss charges to be refunded. The stress has upset me greatly and I feel inclined to claim damages - there must be something under the Human Rights Act. If they have paid 10-12p in the pound for this debt and have to disclose that under the judge's ruling they surely know it won't reflect well on them. I just think it's very odd. perhaps someone was having a very bad day and decided to take it out on me without considering the options sensibly. Over to you...

Yes they have issued a summons. No I have not received the letter of assignation nor the statements and have now lodged a complaint with OFT. They sent a letter (30 days exactly after they took recorded delivery of my template letter) saying they would get the required info but it would take some time. I am also inclined to write to the Court Manager and outline all this and why I believe this action has been taken to frighten me (which I think it is). I am seriously ill which is why I got into debt and have been trying to sort things out. Have settled amicably with others and this one just exchanged a few letters and then this court action. It's all a bit strange really. Any advice, thoughts etc would be welcome although I intend taking on a lawyer for this as qualify for legal aid. Even thugh I am ill I won't back off from the court. I also will be seeking disclosure on how much they paid for the debt as they are after £10,000 even though the credit card co did offer to settle for £1500 but at the time I couldnt find the money. And their costs are stacking up - £250 plus £100 to move it to my local court. It really doesn't make any sense at all.

Kingshill has served court proceedings on me for a debt. I am defending it robustly but they have never supplied me with any documents saying they have this debt nor statements asked for under your template letters. Has anyone else been taken to court by them? If so how did it all go?

Kingshill has served court proceedings on me for a debt. I am defending it robustly but they have never supplied me with any documents saying they have this debt nor statements asked for under your template letters. Has anyone else been taken to court by them? If so how did it all go?