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Hi I received a claim from Howard Cohen on behalf of Hoist Portfolio regarding a old HSBC overdraft. I am now quite far into defending the claim after having read lots of forums! I have sent a CPR 31.14 request to Hoist Portfolio and submitted a defence. I am now at the stage where I have sent back the DQ and agreed to mediation and waiting to hear back. I have received nothing from Hoist portfolio as of yet and was hoping they would have discontinued the claim by now but no such luck. I'm really worried as I read somewhere that they can stump up the documents at anytime literally a day before going to court or on the day of court and I really wanted to avoid ending up in court. Do they actually do this and how is this fair? Any help/thoughts would be greatly appreciated.