Will do! Thanks for all your help!

Received today (29/06/2022) from Overdales :- Dear Mr XXXXXX Our client has instructed us to discontinue the claim and therefore we enclose a copy of the Notice of Discontinuance by way of service upon you. We have filed the same at Court and have requested that any hearing that may have been listed is vacated. We confirm that this brings the legal proceedings to an end. It shows the account balance as £0.00

Didn't get anything else - I got something for another court but, since the transfer, nothing at all.

On the MCOL I noted that it had been tranferred to Reading in February, but I've not heard anything since - and there's nothing on MCOL after that.

Is there no way that I can object to it? I notice a "Set Aside Applications entered electronically" at the bottom of the MCOL page (although I can't see how one is entered on the site).

I get the feeling that I'm sunk on this one then - ho hum. It took them 47 days to decide to proceed - can they do that?

Checking on MCOL there's now a new entry - DQ sent to you on 09/09/2021 DQ filed by claimant on 09/09/2021 Both of which are way after the 33 day limit.

So should I hold fire and wait for that, or is there something that should be looking into? I have to say, all these various forms/actions/timings are somewhat confusing to the lay person (even having read up the cases on here).

One thing I find a little odd - MCOL lists the acknowledgement being received on the 29th of June and that the defence was received on the 26th of July. I've read that they have 33 days to decide whether to go ahead, which would be something like the 29th of this month - next Monday - is that correct? I only got the stuff back from them yesterday. Sorry about the memory bit! Years ago (despite being ex IT myself) I used to set everything up as printed in filing cabinets - especially as credit agreements were actually signed with a pen on paper! Now with you being able to just "click", it makes the whole thing rather "nebulous" - and trying to remember what I clicked on 3+ years nigh on impossible. I may have to go back to printing everything out...

Yes, I've been reading through them - that's why I asked about mediation (that was one of the examples)

So.... What should I do? Do I go for the mediation?

I've only got the one PDF editor (I normally do everything in DOCX) - I opened it up again and it wouldn't let me undo the changes, so I thought that it was OK - hopefully this one's better. What do you use to redact stuff then? There was a default notice from Vanquis - way back when - they included it in the bumph (I've included a copy). As for signing - I have no memory, but I guess that it must have been online. Original default.pdf

Right - I've received a fairly weighty missive from Overdales... With pages of transactions... Apart from that, there's a missive from Vanquis from when everything went belly up for me... A standard agreement (as you would get if you just enquired about a card) with an overprint at the bottom of the last page with my name printed on it docs1 .pdf

Nope - the email from this morning is the only communication that we've had.

Just had the following land in my email: We've not had any phones ring (so they may have an incorrect number for us) - it's taken them almost a month just to acknowledge the SAR...