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Hi

 

Please bear with me. I took out a payday loan for 250 with Safeloans in about 8 or 9 months ago. I made the first payment and then due to job losses and lack of regular income I could not payments. However I made payments every now and again when I had money. We set up a repayment plan but due to job loss I contacted them to say I am unable to commit to it. I contacted them to let them know I was on benefits and was asked to supply proof then they would hold legal action. I did then a month later I received an email saying that they had no contact with me so were filing a county court claim. A few days later I filed the defence about 3 days after. About two days after they sent me a final offer before judgement email saying "we are at the last stage before we seek to obtain "Judgment" against you. We will notify the Court within the next 7 days that you have not paid the debt owing and thus a Judgment in default (CCJ) will be requested in due course." offering repayment options. I then emailed them to ask for a breakdown of charges. They sent me it the next day which I havent responded to yet.

 

Today I received the following from the courts dated 14 Jan 2013

 

Dear Madam

 

RE: case number safe loans v me

 

With reference to your claim response, I would like to advise that it has been classified as "full admission".

 

The court will classify a defendant response as a full admission in any of the following circumstances:

 

-The amount claimed plus the court fee has been paid in full on or after the date of issue

-Part of the claim has been admitted and no defence provided for the remainder

-Part of the claim has been paid on or after the date of issue and no defence has been provided for the remainder

-The defence form has been completed, but no response given for disputing the claim (this was in bold so think this applies to me)

 

Please note that if the claimant has not received full payment, they may proceed to enter judgement for the outstanding balance.

 

If you require any further information please contact our helpdesk on the number above. Alternatively you can email us at ccbcdefendants email address and please ensure that you state the above case number in the subject heading of your email.

 

You may also find it useful to visit the frequently asked question (FAQ's) section of our website. To locate this page you should go to and search for CCBC

 

Yours faithfully

 

There is a siganture

 

Mr Nick thornhill

CCBC/mcol correspondence section

 

It has the logo and the address and I tried the number which made me think that my defence is being struck out. I checked the status of my case online and this letter has not been recorded on there and there is not an option as to what I should do next. I will give them a call tomorrow but I am really worried about this and could use some advice as to how to proceed

 

Thanks

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Hi

 

Please bear with me. I took out a payday loan for 250 with Safeloans in about 8 or 9 months ago. I made the first payment and then due to job losses and lack of regular income I could not payments.

 

However I made payments every now and again when I had money. We set up a repayment plan but due to job loss I contacted them to say I am unable to commit to it. I contacted them to let them know I was on benefits and was asked to supply proof then they would hold legal action.

 

I did then a month later I received an email saying that they had no contact with me so were filing a county court claim.

 

A few days later I filed the defence about 3 days after. About two days after they sent me a final offer before judgement email saying "we are at the last stage before we seek to obtain "Judgment" against you.

 

We will notify the Court within the next 7 days that you have not paid the debt owing and thus a Judgment in default (CCJ) will be requested in due course." offering repayment options. I then emailed them to ask for a breakdown of charges. They sent me it the next day which I havent responded to yet.

 

Today I received the following from the courts dated 14 Jan 2013

 

Dear Madam

 

RE: case number safe loans v me

 

With reference to your claim response, I would like to advise that it has been classified as "full admission".

 

The court will classify a defendant response as a full admission in any of the following circumstances:

 

-The amount claimed plus the court fee has been paid in full on or after the date of issue

-Part of the claim has been admitted and no defence provided for the remainder

-Part of the claim has been paid on or after the date of issue and no defence has been provided for the remainder

-The defence form has been completed, but no response given for disputing the claim (this was in bold so think this applies to me)

 

Please note that if the claimant has not received full payment, they may proceed to enter judgement for the outstanding balance.

 

If you require any further information please contact our helpdesk on the number above. Alternatively you can email us at ccbcdefendants email address and please ensure that you state the above case number in the subject heading of your email.

 

You may also find it useful to visit the frequently asked question (FAQ's) section of our website. To locate this page you should go to and search for CCBC

 

Yours faithfully

 

There is a siganture

 

Mr Nick thornhill

CCBC/mcol correspondence section

 

It has the logo and the address and I tried the number which made me think that my defence is being struck out. I checked the status of my case online and this letter has not been recorded on there and there is not an option as to what I should do next. I will give them a call tomorrow but I am really worried about this and could use some advice as to how to proceed

 

Thanks

 

I must admit, this makes absolutely no sense to me whatsoever.

 

Can you advise if you

 

Received a Claim from from the court - it would have been blue with the Northampton County Court stamp on it.

 

Did you then acknowledge receipt of the claim online by the due date which would have been 19 days after the issue date (found at the top right of the claim form)

 

Did you then submit your defence online by the due date which would have been required 33 days after the issue date of the claim.

 

Please tell us exactly what happened from the time you received the claim form. And what exactly did you say in your defence ?


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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Please tell us exactly what happened from the time you received the claim form. And what exactly did you say in your defence ?

 

 

 

This is the important bit. We really need to see the Defence in full as submitted.

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