block and bounce the email address ..end of ignore them dx

check mcol does it state DQ N180 sent to you? if it does then: https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5088148 3 copies yes to mediation (unless you filed our Statute Barred Defence OR this is a claim for a Private Parking Ticket) 1 wit you Suitability for determination without a hearing? no (that the issues are so complex they need to be argued orally') the rest is obv 1 to the court 1 to their sols (omit phone/sig/email) if no sols send to claimant 1 for your file dx

how'd this go? dx

thread title updated dx

they have 6mts to do 'something' if they don't its dead dx

just type no need to keep hitting quote there was no reply pack asking questions nor wanting Income & expenditure, so can't be a letter of claim. there are no 'court sanctions' at all should a defendant ignore a letter of claim, total poppy cockle!! very much the reverse, should a claimant NOT send a letter of claim before they raise a court claim, it's a very good browny point for a defendant !! stop worrying....i wish certain members would stop posting unnecessary personal speculation on threads... doesnt help anyone. if you DONT KNOW - DONT POST!! its a 2005 card anyway pre the revisions, sao cant use a recon and i'd expect a CCA request to fail. this is cabot!! 99% of their debt portfolios are always unenforceable. just the mugs keep being ignorant cash cows is the only way they recently stayed in business.

so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have ZERO legal powers on ANY debt - no matter WHAT its type. dx

you've been here longer than me and cant realise the obvious? in my very 1st post i told you that's the wrong way to go about it. vanquis had no reason to explain to you why they allowed the payment, but they did: covered by the consumer credit act. dx

std shoplifting sign used since the 1960's if they put the truth then everyone would know Police are never involved. and what would they do then...

4th time now . thats totally immaterial. dx

no of course not morality doesnt come into any debt issue and never should. but you already knew the google debit was going through when you asked to cancel the card, the payment process had already started, they had no other option under the consumer credit agreement that you and they signed and was still in force at that time but to honour the google payment . this is reflected in the compensation they gave you, which only concerned the fact that they didn't cancel the agreement when you requested. Even if they had carried out your request the transaction would have still been honoured as it was pre cancellation. dx

ignore dx

i seriously doubt, knowing that northants bulk were already know to be running at least 2mts behind during that period, that the claim would have been awarded by default by the time you filed defence only 1 week 'late' , we've seen cases months past filing date allow defence filing over the last years almost now. somethings not right here. N244 is upto a £275 gamble to get to the bottom of what ACTUALLY happened and to prove this was or was not a court error in not processing your defence email. that's an assumption upon their behalf, not that they had searched their whole email system and found your defence, but decided as it was a week late they thus rejected it. they would write and tell you so if they had. the word SO is the important bit...