The Defendant contends that the particulars of claim are vague and generic in nature   1. Paragraph 1 is noted. I have never had an agreement in the past with PRAC Financial and do not recognise the account number referred to by the claimant.   2. Paragraph 2 is noted but not admitted. The claimant would not be aware of any alleged breach or in a position to plead such fact as the defendant did not enter into any agreement with the claimant. The defendant also does not recall