If you borrowed the money and did not pay it back then it is still owed. How much did you borrow and when?

The fact it is recorded twice is immaterial to any defence. You would only annoy the judge when he reads the defence.

Why haven't you bothered to try to come to an agreement with them or made any kind of repayment?

Hi

If you took out this loan with no intention of paying it back, I suspect you are opening yourself up for a case of fraud.

I also suspect you are going to get a county court judgement as you have done nothing to help your situation

Sounds like a debt avoidance attempt and judging by previous posts he has had some other dealings with dca's.

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!

You have absolutely NO DEFENCE and as stated you could be subject to CRIMINAL investigation.

When exactly did you receive the court papers?

There is a specific time line in which to either admit or submit a defence otherwise the claimant will obtain a judgment in default.

The time line will be as follows.

Issue date + 5 days for service + 14 days either to acknowledge receipt or to have returned the form which admits the claim and offer payment.

If you are intending to submit a defence then on acknowledging you would receive an extra 14 days to submit a defence.

I rather suspect that if you have neither acknowledged or returned the paperwork offering payment then by now the claimant will have obtained a judgment in Default and there will be a County Court Judgment in your name.