response to CCA

[ande]

Hi again can I have an opinion on the reply to my CCA request I think I have a defense due to the lack of a copy of a default notice and them saying that the Halifax sent me the only copy which seems a bit odd but they have provided a screenshot but is that proof of posting?
Can I ask for proof of posting and what else can I do to make them unsure ,or should I wait to see if they continue to proceed with there threat to go to court ?
do you think I have a strong enough defense for one of those no win no fee company's to have a look ?
just some information about my problem
The debt is for just over £10.200
defaulted 24/2/2014
the last payment I made was for £25 on the 3/3/2014
as far as I can remember the Halifax sent me an expenditure form and agreed to pay £25 the then told me to stop paying as they had passed the account on to a DCA of which there as been a few since 2014 all fought of with the help of the ladies and gents of the G O O D F website both old and new finally selling the debt to 1st credit ,now intrum in June 2017.
They sent me a Pre-action Protocol letter and I responded with the CCA and asked for further documentation .
They have given me a further 30 days to respond until the 22nd of March.
Thanks for Looking and any advice is welcome Andy

[Amethyst]

Does sound like they have provided everything. Do you have the agreement they sent you you can post up pls - the original signed one (suitably redacted) not the later variation one.

Defaulted 24/2/2014 - the default notice was issued on 14/1/2014 according to the screenshot so seems there was enough time. They can provide a 'template' and evidence the date it was sent ( the original creditors screenshot is likely to be acceptable to the court) so I wouldn't rely solely on the default notice.

[ande]

Hi thanks for looking, the only agreement I have had is the original one I signed presume this is the one you asked to see thanks Andy

[Amethyst]

Okay looks alright ( isn't signed by halifax but normally it's got a stamp somewhere )- did they send the general credit card conditions as well ?

[ande]

Hi thanks for the reply , yes they did send me a credit card agreement Andy.