Ok I'll try and put it all together tomorrow. So do you think they will be able to un-stay it or would that be difficult for them as they still didn't comply with the requests in time?

I knew I wasn't imaging that pig I saw sitting in that tree....lol I just received this letter from Cabot: " Dear xxxxx Information under the Consumer Credit Act 1974 Please find enclosed all of the relevant information following your request for information under section [77-78] of the Consumer Credit Act 1974. In the event that we have provided a reconstituted true copy of your credit agreement, for the avoidance of doubt this complies with the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 and therefore complies with the obligations set out in section 77-78 of the Consumer Credit Act 1974. What happens next? We consider that the agreement is now enforceable and therefore we are entitled to obtain a County Court Judgment against you. However, we would prefer that you work with us to sat up a repayment plan to settle your outstanding balance. The status of your account The outstanding balance is currently £2,325.14. Please make contact with Mortimer Clarke Solicitors on 0333 121 4454 as soon as possible to discuss the options available for this account. If you have any queries, please do not hesitate to contact us." There is then pages and pages of what looks like those agreements you need to accept when installing something on a computer. All those pages end with a page that says " signature of customer" and just has a box with a tick in it. Also please ignore any spelling mistakes in the letter as I'm using an ice scanner and it's not the best.

Thank you for the reply I have a statutory declaration to tie the two names together. I asked the decision maker if having a full name change statutory declaration would be enough and she said no she wants a letter from HMRC as well. Even though that would be a driving licence, Birth certificate, statutory declaration, bank statements and utility bills, signed document by someone in a high position saying they have known me for years all in the name A.

Brilliant. But then if they manage to find a original agreement then they may think it's worth their while to un-stay it.

on the claim history the last thing that's on the list is "Your defence was received". Maybe they are hoping that i contact them by sending me a random letter

At the bottom of the webpage it does say: Applications Set Aside Applications entered electronically (most recent at the top) None

I don't know what letter they are referring to as i upload all the letters here. Unless they mean the one that said it may take some time to reply to my defence. I just logged in to the MCOL site but i cant see anything about the status as it just shows the documents that have been added.

Just to keep this thread updated. I received this letter from Mortimer Clarke today: We refer to the above matter. Due to an administrative error a letter was sent to you through an automated service dated 06/04/2021, we would like to apologise for this letter being sent out to you. We can confirm the account is currently on hold awaiting our client's instructions on your Defence. We trust this is of assistance. Thanks Yours faithfully Mortimer Clarke

In your opinion do you think this is the last I will hear about this from them now?

Im really not sure (I'll dig a bit deeper). If there is anything on the credit file, would this still take the 6 years to drop off?

Thanks DX I actually knew that from reading other threads on here i just didn't realise that amount of time had passed already (weeks seem to pass so fast since covid). Do they ever apply to lift the stay if they find any documents?

I received this letter from Mortimer Clarke today: "We confirm we have received your defence. We have referred the content of your defence to our client for their comments, we will come back to you as soon as we have our client's instructions. This may take some time, especially if our client needs to go back to the original creditor for information and/or documentation to respond to your defence. In the meantime, the matter has been placed on hold and no further action will be taken. Yours faithfully Mortimer Clarke"

Sorry i didn't think it would be relevant as its just a acknowledgement letter. This is the full letter: CASE NUMBER xxxxxxxxxxx CABOT FINANCIAL (UK) LIMITED -v- xxxxxxxxxxxxxxxxxx xxxxxxxxxx I acknowledge receipt of your defence. A copy is being served on the claimant (or the claimant's 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. For Court Manager

Just to keep the thread updated. I received yesterday what looks ;like a standard response from the court saying that they have received my defence and a copy will be sent to the other party.

I did have a feeling they could show up with some sort of agreement even though that department says they haven't got one "yet". So i guess the cca department doesn't know there is already a claim, and the claims department go as far as a court hearing in the hope no one shows up to it.