Name of Claimant: Marlin Europe Limited Date of issue: 02/04/14 What is the claim for? 1. The claimant claims the sum of £2488.72 being monies due from the defendant to the claimant under a regulated agreement between the defendant and CLYDESDALE and assigned to the claimant on 18/10/2006, notice of which has been provided to the defendant. 2. 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. 3. The claimant claims the sum of £2488.72 and costs. 4. The Claimant has complied, as far as is n the pre-action conduct practice direction.NumberWhat is the value of the claim? Amount Claimed £2488.72 Court Fees £75.00 Solicitor’s Cost £80.00 Total Amount £2643.72 Has the claimant included section 69 interest? Don’t know (don’t think so) Is the claim for a current account? Yes When did you enter into the original agreement before or after 2007? Before 2007 Has the claim been issued by the original creditor? No Were you aware the account had been assigned? Yes Did you receive a default notice from the original creditor? Yes (Account defaulted 2006, removed in 2012) Have you been receiving statutory notices at least once a year? No Why did you cease payments? Account in dispute over bank charges. Was there a dispute with the original creditor? Yes. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Apologies for formatting, I can't change it Hi,Haven't been on for a while, as I thought that finally my finances were in order and I was debt free until this landed on my doorstep, some 8 years since I had the account. It arrived the morning I was leaving on holiday, so already 3 weeks behind. Any help much appreciated Thanks

Hi everyone, I was wondering if anyone could advise on what I should do with regards to the following. Around 12 years ago due to various issues I found myself in debt for about 35K. I went on a DMP which for majority of creditors is still going, paying off regularly the agreed amount. About 4 years ago MBNA stopped taking the payment, I have now discovered that they sold the debt to Arrow Global. Over the past couple of weeks I have received some letters from Shoosmith on behalf of Arrow for the credit card etc. Would anyone be able to advise if I shoudl ask for a CCA on the debt (I genuinely do not know if MBNA was paid in full or not! but I am doubting even my name at the moment panic is back!) . What steps should I take? Any advice is welcome (sorry if the above does not make much sense but after 10 years of paying things back this has brought me back onto "put your head on the sand mode")....