Hello all (friends old and new!) It's been some years since I've been on CAG and pleased to say that most of my debts have now become statute barred and dropped off the earth My credit report is shot but I don't need or want credit. On Thursday 6th October, I received a Claim Form N1SDT from Arrow Global, solicitors Shoosmiths, for £2663 owing to M&S. After digging out my files from the garage, the basic history is:- Card applied for and issued in May 2007. Their letter states, sign, date and return the green copy of the cc agreement, you keep the yellow one. So presumably (?!) they have that one. By April 2009 I had fallen into arrears and on 1st May 2009 they accepted a £20 p.m. repayment plan for 1 year. By September 2009 I was in serious trouble with priority bills so wrote to them explaining this and offered £1 p.m. (See thread http://www.consumeractiongroup.co.uk/forum/showthread.php?192830-AA99-amp-Bankruptcy ) 13 October 2009 M&S accepted £1 p.m. to March 2010 and they wrote on 25 March confirming payments complete under this plan and to phone them re the balance. They have never charged interest. In May 2010 they accepted a further payment arrangement of £1 p.m. until May 2011. I received a letter dated 8 July 2010 saying that Rockwell would be managing the ongoing payment arrangement in partnership with them and I was to continue making the £1 payments to M&S until Rockwell contacted me. I continued to pay £1 p.m. until May 2011 but can find absolutely no correspondence from Rockwell. We were evicted from our house in January 2012 and had post forwarded for 6 months. In the paperwork I do have, which is when the DCA's tracked me down to my new address is from Arrow in July 2014, Notice of Assignment to them using Wescot. February 2015 letter from Scotcall August 2015 letter from Arrow advising DCA is now Moorcroft September 2015 2 letters from Moorcroft October 2016 N1 received. Could I please ask for assistance in returning the form, also the time factors. Many thanks I am completing the AOS online but do not know if I tick the box saying I intend to contest jurisdiction. Please advise OK, I just googled it and no, I don't need to tick that box. So I have filed my AOS. Now I have 28 days to file my defence. I send Arrow a CPR letter? Copy to Shoosmiths?