First thing,check whether there is or not a court claim.
then pay £5 and get all 3 credit reports, http://www.google.co.uk/url?sa=t&rct=j& ... D3uonqp1FA
Then check and see if the DCA looked at your credit reports before the notice of assignment came.
The DCA are supposed to send you a notice of fair process telling you they are allowed to look at your credit report.
Did you get the acknowledgement, defence and jurisdiction paperwork with the claim?
If they have sent a bogus claim and been nosing about in your private credit report with out authority (deed of assignment)
Then they are liable to incur costs from you.
So when you've got your info send them a Notice of conditional acceptance,stating conditional acceptance of their claim upon,
Proof of claim (if claim is bogus) that their is a valid claim recorded at the court
Proof of claim that they have a valid assignment from the bank,evidenced by a certified copy of deed of assignment and,
a certified copy of a receipt for payment and valuable consideration to the bank,validating their security interest in their claim
Proof of claim that you have a valid signed contract/agreement,signed by myself and the bank with attached terms and conditions and is correctly endorsed.
Proof that your company did not check my credit report without valid authority (deed of assignment ) from the lender or my consent.
Proof of claim that the account is in default and that i was duly notified,evidenced by proof of postage and delivery
Proof of claim that you have complied with the OFT fair processing protocol,as evidenced by proof of postage and delivery of a notice of fair process.
failure to provide the duly certified evidence of the points listed above proof of validity of your claim against me shall mean,
you agree to the payment schedule below
you have no valid claim against me and no authority to make such a claim. cost £1000
you have attempted to gain money(s) from me by extortion cost£2000
you have violated my privacy by looking into my credit report without,
valid authority or permission cost £2000
give em 10 days
send a letter of collection,wait 10 days
send notice of default,wait 10 days
send letter before claim,with an offer to knock off £500 as good faith and a payment plan of £500 per month (the court will look faverable on this as you have tried to settle out of court)
Start your court claim and collect your money and pay your bill with it