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Morning - please share a copy of the credit agreements, just cover your name and address.
If the interest rate is not shown on the 'agreements' then they wont be enforceable. Post 2007 agreements can be 'reconstituted' but they have to accurately reflect what was agreed contractually at the beginning of the account.
Don't panic too much, you can avoid the CCJ by defending the case (as things stand they will likely withdraw the claim at some later stage) and even if they did later on magically produce a compliant set of documents, you could agree a settlement with a Tomlin Order..
If the interest rate is not shown on the 'agreements' then they wont be enforceable. Post 2007 agreements can be 'reconstituted' but they have to accurately reflect what was agreed contractually at the beginning of the account.
Don't panic too much, you can avoid the CCJ by defending the case (as things stand they will likely withdraw the claim at some later stage) and even if they did later on magically produce a compliant set of documents, you could agree a settlement with a Tomlin Order..
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