A little bit of background, my disabled mother got into a bit of bother and started to get penalty charges added to her account back in 2007 just before the test case, she sent her SAR off to Lloyds and they responded by sending a list of charges and fees added since 2001, as a result she put a claim in for around £3500 in just fees, but Lloyds refused to look at it until the test case was decided. She wrote again a couple of times pleading with them as the money was being taken from her disability benefit and pension and she was being left with nothing to live on, twice they promised to look into her hardship case, twice she never had a response. Skip forward a few years, after being passed around the DCA's it finally went to Nelson Guest and Partners who have now issued a Northampton Court Claim, this was issued on 5th Nov and today we acknowledged it online saying she intends to defend it as she feels that the charges and fees they have taken from her in the past far out ways what they are claiming. She doesn't remember ever receiving a default notice but as she is getting on a bit she might be wrong (her words, not mine), we have most of the paperwork from when we SAR'd Lloyds a few years ago but just wondered where we go from here? I believe we have to send a CPR 31.14 to Nelson Guest to try and find out what info they actually have, anyone have a link the CPR that i can copy and edit please? Is there anything else we have to do? Baring in mind my mother is 65yo on a pension and disabled she is panicking like mad as she thinks they are going to take her house and all her money etc, she is constantly being ripped off and it's about time something went her way for once! I look forward to any responses Thanks