Ok thanks Andy so it’s not to late the submit this N244 form?

I didn’t because I got the email response giving me an alternate email address to contact

I contacted the court again and had this response: Thank you for your email. I have looked at the case management system and judgement was entered on the 21/11/23 and so the defence was received out of time. Please contact the claimant solicitors at MORIARTY LAW (7367) COBB HOUSE 2-4 OYSTER LANE BYFLEET SURREY KT14 7DU for assistance in progressing your claim. Should you require any further assistance please do not hesitate to contact us. Kind Regards,

Thanks andyorch im not sure where to start with completing it though. Am I the claimant and the court the defendant? what order am I making ? Help! I’m stuck!

Is anyone able to advise me on this. Can’t get hold of the court even by special delivery no response to emails and phone calls have dropped after long wait times. Now have default on my account and I know this sound petty but Klarna and Clearpay were a lifeline for me allowing to pay for things like school shoes etc over time and because of this default I can’t do this. More importantly when my mortgage comes to end of term in about 5 years I’ll never get another mortgage. I really wish I’d just paid it off

Moriartry law chasing me and no reply from court. Does anyone ever take the court to court I wonder?

Hi dx I tried calling the court several times at beginning January and got cut off after long wait times. Not sure what’s going on there by they are impossible to get in touch with. I have emailed too. So on January 23rd I sent by RM special delivery a copy of my original email, a copy of their auto response )which proves it was sent) , a copy of my email chasing, a screen shotted my phone calls inc wait times and dates and included correspondence from morairty law. I advised moriartry law the situation and they put a hold on the account. had an email from them this week saying hold is due to come off they have heard nothing from the court!

Hi Dx - I've tried calling the court, first time cut of after 21 mins on hold and second time cut off today after 30 mins. These people are so hard to get hold of - if only I was able to log in to MCOL in the first place! I've had this from Moriarty law today: PRE ENFORCEMENT NOTIFICATION Our client has instructed us to write to you in relation to the judgment they have obtained against you. The court has ruled in our client’s favour and made an order for you to repay the above amount by instalments. You are now in breach of the Court Order. Our client is now entitled to apply to the court to commence enforcement proceedings against you. Please note that if this is necessary, further costs will be added to the amount you owe and it will be passed back to the Courts to continue with enforcement proceedings to recover the amount now overdue. Enforcement action we will consider issuing against you if the matter remains unresolved will be: 1.A Warrant of Control, which authorises Enforcement Officers to attend your home or business address to collect payment or goods 2.An Attachment of Earnings Order, which is sent to your employer and authorises funds to be deducted directly from your wages It is still not too late to respond.

Just received a letter from Moriartry Law saying "Following your failure to respond to the county court claim issued in the Northampton county court, a judgement by default has now been entered against you" - also had a letter through from the court saying 'you have failed to reply to the claim form "Judgement for Claimant" I sent the email and got an autoresponse - I guess they are claiming not to have received that!

Oh my did i still need to complete the MCOL? No I didn't I only received an automated response from the court after sending the email: Thank you for your email which has been received by the County Court Money Claims Centre (CCMCC). This email is automatically generated; please don’t reply to this message. Please retain this email as receipt that your email has been received. Please refrain from submitting unnecessary duplicate documents by only using one method of either email, post or fax.

ok thanks DX Do I just ignore this letter in that case? I don't need to do anything with the courts? It says in this letter dated 2/10/23 that they have placed the account on hold (for 17 days) and that if they have not heard from me by 19/10/23 then judgement by default may be entered against me and that the CCJ will be on file for 6 years. My mortgage comes to the end of its term in about 6 years and so I don't want to risk have this on file as this could potentially mess up my chance of getting a remortgage (hoping for some sort of financial miracle between then and now to enable me to do this!) but for now i have to try and keep things as clean as possible so that the credit rating is cleared up by then. Has this got the potential to mess that up? Should i go for the repayment plan?

Response received from Moriarty Law. It's tempting to accept the £224.71 full and final settlement but still would have the default on my file which is going to potentially getting in the way of me remortgaging when the mortgage reaches end of term in a few years 2023-10-02 Moriarty Begging letter.pdf

Thanks @dx100uk Thanks @Andyorch DONE !

No I haven't I was trying to do it online and it would not accept my login details that were printed clear as anything on the letter but would not work!

Im not sure where to start with the defence - does this sort of thing count? I have emailed them 3 -4 times over the last few years offering payment/payment plan - and trying to negotiate that with the removal of the default due to the family trauma that had happened around the time. They replied about the payment plan but ignored the request about the default and made no reference to anything else. When i queried about the default they did not reply. Same earlier this year before the legal action i offered to pay account off and asked if they would consider removing the default due to the trauma and no response at all