Still nothing to report Just thought I'd pop in, I think its still on hold in the court though... but I expect as I have heard nothing since my last update its all good.

Update... still nothing and still stayed

Update on my original post. So far to date this is still Stayed.... so all good. I presume after all this time it will never open up in court.. Thanks for all of your help so far, will update if anything progresses

Hi, according to the Northampton CC it's stayed, how long can this hang over me as stayed? does the claimant have a set time limit or action is cancelled?

OK thanks Andy

Just a heads up... still no court date set or even mentioned.. I presume this is a good thing as IDR obviously have not got the documents to back up their claim

??? yes I was.. anyway many thanks for your help, all signed sealed and delivered.

Thank you

Great thanks all seems good to me, I will let you know how it goes. Andy

Any news Andy?

BC, I have had no dealing at all with IDR or link. . never spoke to them or acknowledged them once by speech or letter Until the claim, then I sent them my CPR and CCA requests

You've no choice really

Just couln't afford the repayments.

Is this better? do the points at the bottom refer to my case? Defence 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is denied on receipt of this claim I requested a copy of the agreement that the claimant refers to by way of a section 78 request.This was sent to the claimant by 1st class recorded delivery using royal mail postal service on the 4th March 2014.The claimant has acknowledged receipt on the 10th March 2014 but has failed to comply.They are therefore prevented from seeking any relief until their compliance. 3. Paragraph 2 is noted I requested information pertaining to this alleged debt from the Claimant by way of a CPR 31.14.Copies of the Default Notice/Notice of Sums in Arrears and Notice of Assignment ,again they failed to provided me with my requested documents on which this claim relies upon. 4.Paragraph 3 is denied I have no recollection of a Notice of Assignment and as no payments have been made the debt has not been made regular. Therefore with the courts permission the Claimant is put to strict proof to: (a) show and disclose how the Defendant has entered into an agreement; and (b) show and disclose how the Claimant has reached the amount claimed for; © show how the agreement was breached and legally terminated to allow the claimant to claim relief. (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 4. As per Civil Procedure icon Rule 16.5, it is expected that the Claimant prove the allegation that the money is owed. 5. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 6. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

How