Firstly, CitizenB I appreciate your help and time, so a thousand thanks!
Yes this was a MCOL.
I have defended because of time.
Yes I agree he is taking a chance, but really he is being malicious, I work and live most of my time in Germany, visiting my UK address infrequently the claimant knows this and to my surprise I found a claim from in the post this thursday and I luckily only had until monday to reply so I have defended the claim i wish I had more time so I could have used advice from this site.
I did address the points in his particulars and added additional point li