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  1. Hey there I'm new to all this, so I hope this is in the right forum. My wife received a letter today from Colemans ctts regarding an unpaid credit card she had from Vanquis. It States that it is a LETTER BEFORE CLAIM, PRE - ACTION PROTOCOL, CIVIL PROCEDURES RULES - PRACTICE DIRECTION. It also references in the letter IN ACCORDANCE WITH THE PRACTICE DIRECTION - PRE-ACTION CONDUCT. Does this mean she is being taken to court? Also she tells me she applied for the card, was refused and then was sent it through the post. Could this be possible? If so she wont have signed a contract, Is this debt enforcable? Any help would be great
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