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  1. Hi guys! I've done quite a bit of reading, both here and on [removed], but, at the same time, would welcome any reassurance and / or advice anyone feels able to offer. I had an old MBNA debt, on which I defaulted, that was subsequently purchased by Link Financial Ltd. Initially I made some token repayments via a Debt Management Plan. However, as I recall, these ceased back in 2009 after Link failed to comply with a CCA request. In any case, I had heard nothing until the untilend of November when Link told me of their intention to pass the account to Kearns Solicitors Ltd. In mid December Kearns sent me a LBA, to which I responded with a request for further information accordance with the conduct & protocols set out in the Civil Procedure Rules. I only sent that letter at the beginning of last week and have not, as yet, received any of the information requested, but have now received a claim form, the particulars of which are as follows: As I understand it, I should now file an acknowledgement of service, stating my intention to defend. Furthermore, given Kearns have yet to respond to my pre-action request, I believe I should now send them a CPR 18 request. As I've already said, I'd be really grateful for any thoughts or advice anyone on here is able to offer. Thanks in anticipation NuggyPeach
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