CCM.....PM sent (one last query) your Inbox is full.

Right thats great, will finish now and send in the morning. Cheers CCM!!!

Hi CCm, I have requested the CCA a couple of times from C'quest, but only once did i enclose the £1 postal order, is a CCA request not valid if the £1 postal order is not sent with it? With my defence you refer to Letters marked Exhibit A etc , do i actually enclose these with the defence and if i do is it copies or originals i enclose? Many thanks.

Cheers for that CCM

If its before Para 5, does that mean it becomes part of Para 5?. Or just on its own between section e para 4 and prior to para 5? Cheers.

Will do. Doing it tommorrow, hard day today and i need sleep sleep bye bye's.

Blimey CCM, that is indeed a detailed defence. I will sort this out and amend tomorrow. Should i leave it as long/near to the time limit as possible before sending this in or get it in asap? Also thank you very much for your help and time put in on this, people like you and forums like this are indeed a real God send during times of extreme stress. Thank you.

I have to apologise CCM, it appears after looking through my records that we haven't CPR'd them, we have CCA'd them. I did CPR 31.14 them after i put in the AOS. Sorry.

CCM PM sent.

Yep CCA'd them and got the usual dubious scanned alleged agreement and printout of purchases etc and a letter saying they have conformed to my request.

March 2004

We have had a letter from c'quest stating that they own the debt and in the same envelope was a letter allegedly from c'one stating they have sold the debt etc to c'quest. The letter allegedly from c'one is obviously not from them its terribly faded, not correctly addressed and is just on computer printer quality paper (not evn good quality). I cannot recall recieving a Default Notice.....however we may have had one and mislaid it , as this has been banging on for 2 years. I have CPR C'quest twice and both times recieved a very dubious version of an alleged "agreement" which is not correct. (i know this very very definitely!!!). Also some printouts of purchases/payments thats it.

27th march i think? (sent the AOS back on the 2nd march). The debt is a credit card. claimant is C'quest for a c'one card.(using H L as solicitor) Northampton bulk court centre

Ok then, still no reply from claimant or solicitors regards CPR31.14. I need to put in a defence, i'm guessing an "embarressed" defence, due to no reply about CPR 31.14. I also have issues regards their docs or alleged docs previously supplied to me during the threatening phase, i definitely know that one has been tampered with. Do i include that in my defence or just the standard "embarressed" defence?. I need some help as i don't want to b£$ls this up and lose out on a technicality.

I didn't agree an extension, i think i have 28 days to file defence after claim against me?. HL have the CPR for 10 days and have not replied with the docs etc i requested.

I have currently no defence done yet I have no idea what an AQ is?

So to sum up......... I ignore what is happening regards the CPR 31.14 I continue to provide a Defence. What sort of defence should i provide, in my own words or a standard statement. Also do i state in the Defence the problems with the POC and Docs provided by claimant etc or is that a court day thing? I assume this will go to a hearing or can they be granted a ruling without a hearing?

42man, i didn't get her name as i was so frustrated i wasn't thinking straight. What should my next course of action be? I can't just sit here waiting for a reply to my CPR that won't come, i need to defend this as well?. or should i just sit tight and see what next?

I have just phoned the court again and got the same person, she was very abrupt sounding . I asked what the letter contained she said it was a covering letter stating that the claimant solicitors wishes to accept our letter to them (CPR) as our defence. I asked her if i could have a copy of the letter and she got quite abrupt, she stated i didn't need it and can still put in our own defence, she then said thats its gone, to which i asked why would you bin something in a court case , she then said that it's back in their filing section and repeated that we can still send in our defence. I am sorry but i got so annoyed i forgot again to ask for a name. Something doesn't feel right though?

Update............ Spoke to the Court Centre today who said they would look into it and call me back.....which they actually did surprisingly. The woman (didn't think to get her name) confirmed that the court has a copy of the CPR 31.14 i sent to the claimants solicitors, she also confirmed that it has a letter attached stating that the claimant wishes to accept our letter(CPR) as our defence????????? She then said after i pointed out we did not send any defence etc that we can still add/submit to our defence as its still within time scale. I have still not had a reply to my CPR 31.14 from the claimants solicitors and we sent that 10 days ago recorded delivery. Also thank you all for contributing and helping with my problem.

This is a nightmare, i don't know what to do. I am phoning the Court Centre today to find out what has been submitted but i don't hold out much hope in finding out. So what will i do then, the claim was issued against us on the 27 Feb so because of the timescale i only have a little while to sort this out. How can i present a Defence when the court states a defence has been submitted i have no idea? I'm off to work now, i will be back online after 1400 today. I am soooo frustrated, surely this will go to a local County court for a hearing, or a judge will at least look at it and see that (if indeed it is my CPR 31.14 request presented) the CPR is in no way a defence?

And in the process they manage to push people right to the edge of their own sanity even forcing some into sad and drastic action. I think the whole debt recovery industry needs completely overhauling by the Gov. The underhand and downright unlawful practices used by DCA's is unforgivable and if used bymere mortals would result in criminal charges. I know some are only doing their job but most seem to relish it, kicking people when they are down. If they didn't behave like cowboys then maybe people would be more willing to pay up to them. Just my opinion mind. However think of all the useful info you will gather...lol. Also i don't mean to offend you or your new love interest.

We also got this letter from the courts............ "i acknowledge receipt of your defence.a copy is being served on the claimant(or the claimants solicitor).the claimant may contact you direct to attempt to resolve any dispute.if the dispute cannot be resolved informally,the claimant will inform the court that he wishes to proceed.the court will then inform you of what will happen. where he wishes to proceed ,the claimant must contact the court within 28 days after receiving a copy of your defence.after that period has elapsed,the claim will be stayed.the only action the claimant can then take will be to apply to a judge for an order lifting the stay." It was dated the 5th Mar, 2 days after we CPR31.14 the claimant solicitors. We just assumed it was a confirmation that we wished to Defend, how daft are we??

The timescale seems very quick if they have submitted my CPR as my defence, CPR sent on the 3rd ,the defence was filed/submitted and processed by the court on the 5th. I'll give them a call and see whats up?. Will they only talk to the Defendant or will they talk to partners? Also what does Carry on as usual mean....sit tight etc?