Hi all, I have been reading various CAG threads and have learnt lots in the past few days. Thank you to all the contributors and administrators for maintaining this invaluable web resource! I am looking for some help regarding next steps in relation to the above claim. Due to some issues personally, I haven't been quick to respond, but I have now ensured that this is my priority over the coming weeks and months. Thank you in advance for your time and energy. Name of Claimant: MKDP LLP Issue Date: 20 MAR 2014 Particulars of Claim: The Claimant claims the sum of 5xx.xx being monies due from the Defendant to the Claimant under a regulated agreement originally between the Defendant and HSBC Bank Plc. The Defendant's account number was 54xx xxxx xxxx xxxx and was assigned to the Claimant on xx/1x/2011, notice of this has been provided to the Defendant. T he Defendant has failed to make payments 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 5xx.xx and costs. The Claimant has complied, as far as is necessary, with the pre-action conduct practice direction. Action I have taken already: I have filed the AoS on the moneyclaim.gov.uk website today (07 April 2014), stating that, "I intend to defend all of this claim" Additional details: This is for a credit card account. I was forced to stop making payments at some point in 2009 due to losing my income because of the financial crisis. I started getting into difficulties towards the end of 2008 but continued making payments until the middle of 2009 before I ran out of savings. I am not sure of exact dates, but will go through my records shortly. The amount that is being claimed by MKDP is in the high 500s; with the court fee added, this becomes near £650. I do not recall receiving a Notice of Assignment, Default Notice (from the original creditor), or statutory Notice of Default Sums, but I am not 100% sure on this. In any case, any documents were not sent by registered post. I have not acknowledged or made any further payments since I stopped making payments to HSBC sometime in the middle of 2009. I am sorry that I cannot be more specific on dates, but this was a few years ago and the associated documents have been misplaced. However I can and do intend to dig them up ASAP. I know I have delayed responding to this claim; sorry. This was due to some personal issues. Going forward, I will ensure that dealing with this is my priority. I hope that I have enough time to file a proper defence. I would be grateful to receive advice on what I should do next. Thank you, KJ