Old debt come back to haunt me!

lordsnooty01

Ok guys, firstly what a great resource:beer:

Secondly, I have actually stumbled on this resource quite late in the day, but hopefully all is not lost

I have recently been contacted by a debt agency who are making claim to an aged debt from a bank (2003 - when taken out). The original amount borrowed was approx £18k for consolodation purposes.

I am seeking some guidance as to how I should proceed.

I have requested the CCA as per another Google search before I stumbled on this site. This was carried out on the 23 September 2008. No futher communication was sent.

I have since received a copy of the CCA, received yesterday, which by my reckoning is some 6 weeks after my request and well ove the 30+2 days.

The CCA does have my signature, but is in the following format:

1st page: Limited T&C's - my signature / their signatory
2nd and 3rd pages: Other T&C's.

The amount claimed by the debt company is approx £29k. I am shocked at the amount as I had made a number of payments to the bank of the agreed amount and then due to circumstances at the time, reduced the amount to £100 per month with frozen interest.

Additionally, I have joined credit expert (otherwise have an impecabble record) and I can see the entry of default against me for £14k ??????

Question is, how can they be pursuing me for double the amount of the entry?

Also, what should my next move be considering the CCA request and late receiving of said CCA and the fact the amount does not reconcile with the entry on my credit file??

I should add I have not admitted any liability or acceptance of this debt to date. My account with the debt agency is on hold for 14 days.

Any ideas??? I am willing to clear the amount, but not to the tune of double the amount. I have requested an account statement, instead I was sent utter dribble.

Any guidance would be appreciated.