Hello I received a Claim Form on Fri 28th Mar relating to a personal unsecured loan with Northern Rock. As the Claim Form was issued on Mon 24th I believe I need to submit my acknowledgement this Sat 12th Apr (at the latest). Then will have to submit a defence 14 days later by Sat Apr 26th. If I am correct so far (please confirm?), I would much appreciate some help with the next steps please! NB please confirm if more time to defence submission can be asked for, as I cannot see the Claimants submitting info timely..., ie can additional 28 days from acknowledgement be called for instead (so by May 10th at the latest), or not? First of all and from what else I have so far read, I believe the Particulars of Claim to be quite vague, so I am unsure what documents I can call for through CPR? PoC: The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Northern Rock (Asset Management) Plc dated on or about xx/11/2006 [hence pre-2007 regs?] and assigned to the claimant on xx/08/2013 in the sum of xxxx.xx (under £2k) PARTICULARS a/c no: xxxxxxxxxxxxxxxx DATE ITEM VALUE 10/02/2014 Default Balance xxxx.xx Post Refrl Cr NIL TOTAL: xxxx.xx I understand I need to send a CCA1974 request to the Claimant (in this case to Marlin Capital Europe - no numbers...) As said, I am unsure what I can call for under CPR31.14, as all I can see in the particulars is an acc. no and a balance claimed. For instance and based on the above PoC, what can I call for from the suggested list of: Agreement, Assignment, DN, Termination Notice, Acc statement, anything else? So do I still send this out and do CPR requests go to the solicitors (Restons)? Maybe (as per the 'You have received a Claim - What you need to do.' sticky page [sorry not allowed links yet]) I would be better off sending a CPR Part 18 request so that I can pose more specific questions? At the end of the day I get the feeling that the Courts are happy to allow the DCA/Claimants to not answer/answer very late to requests for info, while if the Defendant is late they can/will go down on them? Anyway, I suppose that is just my opinion from what I have read/heard of so far... Before anyone asks about SB, I have been making on/off lump sum payments to NRAM as and when funds were available, to the point that £300 was advised as a final balance to pay (they offered a reduced total amount of £600 half of which I paid). I missed paying that off and they sold it all off to Marlin who are now after nearly £2k...! To make things worse I have no paper proof to all of this, as I asked NRAM for receipts (never got any), asked for confirmation of the offer in writing (never got any) and when I did not pay the final £300 the balance went back to the pre-offer total (by means of sale to Marlin)! Do I need to also send an SAR to NRAM? If anything I am now wondering if my loan account being a pre-2008/under 25k unsecured loan should have had a lump sum refunded (see press about Northern Rock payout after interest error / paperwork glitch) and that is why the reduction was offered in the first place..? Well, I think this is all I have ready for now, any comments / advice welcome...