A reconstructed version ?...perhaps scan and post a copy (remove any identifiable data first)

I can't at the moment with no proper internet,

I could take a pic on my phone if that's any good.

Just also noticed the date on the bottom of the so called credit agreement is 4/12/2007

and on the front of the first statement is says that account was opened on 22/05/2008 so odd with dates being different.

Can't do photo's either as they won't send to my email. Really frustrating. Do you think I have cause for concern Andy?

Not really as it sounds like a reconstituted version of the agreement....if there are no signatures...see what transpires.

Thank you. Will see what happens. Such a shame as was hoping for a finish line to be in sight! Thanks for all of your help and everyone elses through all of this.

^^^ finally managed to get the photo's I took of the paperwork. Hope you can make some sense out of them, have no access to any other way to show them. Thanks

I've removed the post of the pix

you shouldn't be showing account numbers etc.

follow the upload

dx

Sorry, no way of scanning at the moment.

photos are ok read the link.

dx

I'll see what I can work out (all of this type of things goes way above my head) and with no proper internet even my photo's took a day to come through to my email last time. Thanks

Hi, fnally got the internet after over 2 weeks of waiting.

I have not heard anything again yet from anyone,

the last letter gave me 14 days to respond (from Drydens) and was dated 28th August.

When I log onto MCOL it's just showing the last action was the defence on 7/8/15,

do they note anything on the claim do you know as not sure what's happening? Thanks

Thats normal ........the claimant has 28 days to respond.....if they do MCOL will state claim transferred.....that is when (if) you will then receive a DQ (Directions Questionnaire)

Andy

Thanks Andy

Hi,

at the moment we still haven't heard anything from Drysdens or Capquest still

am anticipating something happening in the not so distant future as doubt they will just leave it from here.

Have logged onto Moneyclaim online regularly and still showing as the last action being the defence which was submitted on 7/8.

Quite irritating really.

wondered if you could help me (yet again) with something,

we have moved house,

do I notify Drysdens/Capquest of change of address

, have been relunctant to do this as feel it's admitting to everything in a way

also know that if they do anything via the courts that we don't receive then could be in big trouble with a possible CCJ or worse.

Any advice please?

Many thanks

So still as post 147

You should at least inform the court of a change of address

As with all your 'creditors' it is your responsibility to inform

Them of a change of address

You don't want a backdoor ccj

Thanks, will inform the court (did look at doing that online but am guessing needs to be done in writing).

If I keep checking Moneyclaim online I would assume that any further action would be logged on there too wouldn't it?

Thank you for your fast reply.

Sorry and yes, still same as post 147, nothing happened - yet!

Thanks, will inform the court (did look at doing that online but am guessing needs to be done in writing). If I keep checking Moneyclaim online I would assume that any further action would be logged on there too wouldn't it? Thank you for your fast reply.

Tizzy...MCOL will only change to Allocated once /if you receive a directions questionnaire and the claim is allocated out of CCBC (Northampton)...so until.... save your fingers logging into MCOL...as it wont change.

Andy

Goodness, didn't realise that (even though I have read up loads on here etc), my stomache has been in knots every time I have logged in! Thank you

Goodness, didn't realise that (even though I have read up loads on here etc), my stomache has been in knots every time I have logged in! Thank you

Sorry to keep repeating but do you think ok to just inform the court of change of address as don't really want to trigger contact from anyone else but also don't want to get a sneaky CCJ either as want to try and get a mortgage in 3 years. Thanks

Just inform the court for now...if they do proceed then you will inevitably have to give the claimant your new address (if the court hasn't informed them already) to be able to file serve and exchange documents leading up to any possible trial.

Thanks Andy

Hi, just a quick update from me.

I decided to change address with the court,

haven't heard anything from the solicitors or Capquest

but am not sitting back comfortably just yet as think it will pick up again at some point!

Just want to thank everyone for keeping me sane through all of this.

I doubt it after all this time tizzy

you'll prob get some kind of begging letter

intimating that they will pay to lift the stay if you don't cough up.

but read the letters carefully

its all willy waving.

till they actually do pay and lift the stay [if they ever do]

then twill be via the court

till then ...bin!