Hello, ladies and gentlemen. In the words of the esteemed Max Bygraves, "Let me tell you a story..."
Once upon a time, there was a forum - and pretty popular it was too. It gave decent advice and its members supported others along their journey, whatever or however hard it was.
One day, a new member appeared - we'll call him Walter, after Walter Mitty. At first, this person seemed pretty au fait, and he claimed to be (amongst other things) a retired Head Teacher of some pretty posh schools, who now volunteered as a debt counsellor.
This is a shambolic thread where no-one seems to know what's going on. This poor OP received a claim for just over £10,000 from PRA Group and has submitted a defence without being told that, if he loses, he could end up with more than just a CCJ.