Update- Case stayed: Judgment not entered.

This is where I got confused- the order was dated 2nd and it said to file within 7 days. I have missed this due to our baby being delivered prematurely. The order came in post from FC BTW- not the court.

The claimant and defendent you have been sent notice N1491A, B or C which specified the date by which you were required to return the directions questionnaire. You have failed to file the directions questionnaire with the CCBC by the specified date. IT IS ORDERED THAT It goes on here to say if either party fail to file the directions questionnaire their claim or counterclaim will be struck out. Are there any finer details you need?

That is definitely all they sent- how should I respond to this?

thanks for casting your eye over it D. That is all that the DCA produced. What are the implications of the lack of more T&C's?

Sorry- hopefully these will be OK

Here they are- thank you for your prompt reply Hope these will do

As you will appreciate- I am sleep deprived so this has added to that and I am really wondering where to go with it.

here is where we are at with this. !st sent a letter advising change of legal representation. They enclosed a copy of the agreeement along with a payment history. They also stated they were familiar with the format of my letter and the debt payment it comes from. They will not supply a copy of the deed of assignment as in their view I am not entitled to it as it contains sensitive commercial information. They sent a copy of notice of assignment and state that as the loan has passed its maturity date they take the view that a default notice is not required and suggested I propose settlement. Since then my partner and I had a baby a month early (which fell on the week I was due to return the Directions Questionairre). I have since recieved a 'General Form of Judgement Or Order' which states neither claimant or defendant returned the DQ before the stated date. This post all came from 1st C. I have 7 days from the service date (2nd Mar) to reply to his - I assume this 7 days does not include weeknends/non- court days? Any help on next moves would be hugely appreciated.

Hi DX...would it be OK to pop you or one of the site team a PM about this today.

I have heard nothing..which hope means its at least stopped judgement for now

Yep- correct. Requests sent- claim acked. Haven't made a payment since its apparent assignation. Checked credit record and there seems to be no trace of its life before 1st credit got their hands on it.

Name of the Claimant 1st Credit Finance Date of issue – 25th Nov What is the claim for – AA Loan What is the value of the claim- 2200 Is the claim for a current or credit/loan account or mobile phone account? Loan When did you enter into the original agreement before or after 2007? Before (2005) Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim: Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unsure Why did you cease payments:- Redundancy & breakdown in communications Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No

Name of the Claimant 1st Credit Finance Issue date:25/11/14 What is the claim for – AA Loan POC: 1.On 05/10/2005 the defendant entered into an agreement for a loan with the original creditor under ref no ~~~~~********* 2. On 11/01/2011 the defendant defaulted on the balance with and outstanding balance of £2220. 3. On 15/05/2013 the debt was assigned to 1st Credit (finance) lts in the sum of 2192 by the creditor. A statutory notice of assignment was sent by the creditor. And the claimant claimes the sum of 2192. The claimant claims interest under section 69 of the county court act 1984 at the rate of 8% a year from 15/07/2013-24/11/2014 on #2 (Sum here) and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of #0.47. What is the value of the claim- 2200 Is the claim for a current or credit/loan account or mobile phone account? Loan When did you enter into the original agreement before or after 2007? Before (2005) Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim: Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unsure Why did you cease payments:- Redundancy & breakdown in communications Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No

Letter arrived acknowledging the defence has been filed and a copy will be served on the claimant. Where do we go from here and is there anything needs preparing within the 28 day timescale?