To be honest if I had been told about the After 2007 changes to begin with (in which courts can still enforce CCJ's even with no signature), I would have known my chances of defending would have been limited. However when you are completely new to debt, and you get people telling you to make CCA requests and CPR 31.14 requests straight away when you have never even heard of them, it all gets a little confusing. I simply followed advice from other "site mods" on a different forum, therefore perhaps the whole process should be explained more clearly first, and my advice to others would be to research different opinions.
The N244 application was made simply to force the claimant to comply with the CPR 31.14 request and supply the said documents described in the particulars of claim. If the documents never arrived, the case would have been closed. Therefore in my personal opinion, the steps I taken were perfectly acceptable and the case was nearly dropped. I was skeptical whether the documents would ever arrive (as it took over 220 days), or if they did the credit agreement would come without signature and therefore I believed the court could not enforce a CCJ. However as I said initially, I did not know about the after April 2007 changes in which they can still enforce it.
Regards,
Mike