hi Sillygirl1,

Hi All, I took out a payday loan with Safeloans, many months ago, and I have just recently received papers from Northampton Court. After reading on here that the court papers may not be legitimate, I contacted the court and they are. Silly I know, but I’ve never offered them a penny or had any correspondence with them. How do I go about filing a defence for this? I've just recently checked my credit report, and Safelaons have entered the same loan twice on my credit report. Could I file this in my defence? Please help!

Hi All, I've just recently checked my credit report, and a payday loan company have entered the same loan twice on my credit report. The loan has never been passed to a DCA, so there is no mix up there and both entries are shown as active. I have defaulted with the fore mentioned loan, interest and charges have been added to one of the loans on my report and not the other. One entry has been entered as a default and not the other, that is simply down as missed payments. The payday loan company have now applied to the court to collect the overdue payment, with all the extortionate charges added. Could i file this i my defence? Please help!