the court system is corrupt and there is no justice there as you found out. With the credit card l just emailed the Finance Company that had bought the Debt from the bank and wrote for them to show me the contract agreement that l had signed with them,(of course there never was one) otherwise go away. They will ring you, so anytime you answer the phone and they ask you if you are Paul______ just hang up. When the Finance Company threaten you with Lawyers, just ignore them. There is nothing that they can do. They will probably try a few times and even try again a year or 2 later but just hang up. They bought the Debt for peanuts from the Bank hoping to make a profit from you, through intimidation and threats, which is what happened.