Hi everyone just need some pointers I've acknowledged the claim on the date provided. I know I'm supposed to send letters but will it be enough time now for me to get a response? I'm worried am I too late? Will I have to submit a defence now? Please help me with my best course of action. 28 days plus 5 for service gives me 13th march 2018 to file defence is that right? Do I need to agree an extension with shoosmith in order for them to send me docs at this late stage? Received a claim? Yes Issue Date: 8/02/2018 Have you Acknowledged the Claim?: Yes, 20/02/2018 Total Amount Claimed:£521.86 Claimant’s Name: Cabot financial Solicitors Firm: Shoosmith LLP Original Creditor: Aqua Credit Card/Newday (eg. Credit card/Loan/Overdraft) :Credit card Particulars of Claim: 1. The claimant claims the sum of £436.86 being monies due from the defendant to the claimant under a regulated agrement between the defendant and New day and assigned to the claimant on 12/09/2017, notice of which has been provided to the defendant. 2. The defendant has failed to make payment in accordandance with the terms of the agreement and a default notice has been served pursuant to the Consumenr Credit Act 1974. 3. The claimant claims the sum of £436.86. Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No List any letters you have sent (eg: CCA/ CPR ) none Any Other Information or Background Details: this is a debt originally with New day Credit card under the Aqua name. I've checked my credit report using noddle, instead of saying Aqua or new day it has Cabot credit managment group, acc start date dec 2016, date default 31/08/2017. also I have to send a CCA request to Cabot financial and a CPR request to Shoosmith incl a copy of CCA letter sent to Cabot, sending both by recorded delivery. The cca letter: [Removed please do not post templates from the Library on the open forum - andyorch] Request for documents mentioned in a statement of case under CPR 31.14 [Removed please do not post templates from the Library on the open forum - andyorch] defence: I've attached file due to size. please advice on point 13. I haven't agreed extension should I do so and how do I do that? sorry if everything is a bit jumbled, am I on the right track? Thanks