I didn't do a witness statement

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) I don't think so

Im sorry I don't understand a lot of this. I think this was the defence she sent for me. CLAIM NO: XXXXXXXX In the Northampton County Court Lowell Portfolio Claimant -AND- Trish Costello Defendant CASE SUMMARY 1. I am the Defendant in this case. 2. On 21/05/2018 I wrote to the Claimant requesting Verification of the alleged debt and of their alleged assignment. 3. I returned the Acknowledgement of Service on 21/05/2018 4. The Defendant sent out a CPR31.14 request letter on 21/05/2018, asking for the following documents to be produce in court: 1. Agreement / Contract 2. Default Notice 3. Assignment 4. Formal Demand 5. I have received an acknowledgement of my CPR31.14,nor does it appear any of the requested documents have been forthcoming. Only evidence received was Newday sold an account to Lowell on 28/02/2017. There is no Agreement/contract. 6. The Claimant contends that: I owe them 1793.38, from a defaulted account with Aqua. However the evidence sent to me was from Newday. 7. On 06/06/2018 I received a copy of the Directions Questionnaire from Lowell Solicitors X. The Defendant rebuts all the above in that Lowells cannot provide a Contract or Agreement therefore it is unenforceable , as such no claim should have been made. respectfully request the Claimant's claim be Struck Out with prejudice if the agreement is unenforceable due to a lack of an agreement or evidence. to Statement of Truth I believe the facts stated within this Case Summary to be true comprising of xx pages. Dated this day 06/06 of year 2018.

Thank you. The defence was one my friend copied from one of the sites, it was along the lines of, I didn't have a contract with Lowell. In truth I didn't understand a lot of this.

Hello, my first post so please bear with me. I owe a debt to Aqua Credit Card. Due to mental health and physical disabilities I got in to trouble and didn't pay it. It was sold on to Lowell Portfolio who have now taken me to court at Northampton. After reading advice I sent a CCA request and a CPPR 31.14. Along with an acknowledgment to defend on 21/05/18. On 18/06/18 I received a letter telling me that this was going to the small claims track. With that I received a questionnaire about mediation. I have been away 2 weeks, while attending a family funeral and received letters to mediate. As I had not responded, I now have a letter Notice Of transfer of Proceedings. I really do not know what to do now, or what this means. I suffer severe depression and fibromyalgia, the worry is now making my conditions worse. Please can someone advise me what I need to do now. Thank you