No problem, will give them a call anyway and see what they say. If it drags it out a little longer then great.

Exactly what I was told earlier. At present it is signed by company themselves, not an individual from the firm. I rang Drydens and said I want it rectifying and signing by an individual at the firm, the Drydens employee informed me that the court applies the signature (she the backed this up by discussing with a colleague) and they have no involvement with the Claim form. She then told me to call back before 5pm and someone more experienced will be able to help. I took her name and sent her an email to confirm what was said via telephone - no reply as of yet. I am sure they will amend the document, but if they don't can I have this struck off? I was willing to just give up the ghost and pay them until I asked them to settle out of court and I would pay the amount in 5 instalments - flat out refused.

Hahaha, I'm not holding my breath. I've been told the debt is too new for me to have any real chance. That said I've been told a lot of things since seeking advice. I will pay it if it the judgement gets obtained. In the meantime it's thrifty living and stalling tactics. It has been brought to my attention that the claim form is signed by the company, not an individual - is this something I can flag to delay proceedings? You wouldn't believe the hassle I got for posting this message on the forum.

Great stuff. I mentioned this on another forum and got slaughtered for not just paying it. The individual I spoke to at Dryden said once they win the case I cannot do anything to remove it from my credit file, they said that if I pay in full any time after I've received the CCJ it won't make any difference to my file.

I opened the account back in 2010. It defaulted in 2012. I contacted Drydens today and they refused to negotiate a settlement out of court, insisted I pay in full or accept the CCJ. It has been brought to my attention that the claim form is signed by the company, not an individual - is this something I can flag? I will send the CCA and CPR to them tomorrow morning, recored and with the correct postal order. Out of curiosity what sort of technicality proves successful in this sort of case? In truth I am just trying to drag this out in order to raise the funs, I have no idea on what grounds I could defend this but if I drag it out and get it awarded against me I have 28 days to pay it in full before it's on my credit file, is that right?

Yes it's on my file - it states that the account defaulted 31 October 2012. I have had no issues obtaining credit over the past couple of years, only when me and my partner recently applied for a mortgage and failed did I check my file. Then this turns up at my mother's address. Particulars of Claim: 1. The claim is for the sum of £1446.60 in respect of monies owing by the defendant on a credit agreement held by the defendant with Vanquis under the account number 68259J upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. By virtue of a sale agreement between Vanquis and the claimant, the claim vested in the claimant who has a genuine commercial interest. The defendant has been notified of the assignment by letter. Contact drydensfairfax solicitiors on: 0113 823 3430. logged into the portal last night and completed the AoS; I figured that with the letter being dated 20/2/2014 I best act. I am not sure if I have done the right thing in completing the AoS but after a little research I thought maybe I could find some reason to defend this: - I don't recall signing any agreement. - The amount is much higher than I can remember. - I can't recall receiving a default notice - I haven't lived at the address on the form for many years(it's my mothers address), however I did use that address when I was at Uni. If I receive any mail at the address my mother gives it to me, and I wouldn't have ignored the default notice if I did indeed receive one. If the above isn't grounds for a defence can I just pay the amount, or is it too late not I've submitted the AoS? If I can still pay it off what windows do I have to pay the amount without incurring a CCJ. And If a CCJ is awarded against me is there any time to pay it off and get it removed? I'm sure I read one month after it's awarded against me I can pay it all off and stop it going on my file?

Hello, I'm hoping to get a little advice on a Court Claim letter I received a couple of days ago: It is from Northampton County Court and is in relation to a debt I have had with Vanquis for a few years now(defaulted in 2012 according to my credit file), which Capquest have now taken on: the amount on the claim is for £1591.60 including court and solicitor(Drysden Fairfax) fees. The original amount owed was less than £1000. I do not recall receiving anything from Capquest about this, and it's been years since Vanquis contacted me. I have logged in online and filled in the AoS form. Where do I go from here in regards to preparing a defence? I'm not sure I can offer a defence, however given that I can't recall receiving a default notice and the amount is much higher than what I recall surely I can do something? Any advice on what I should do next would be greatly appreciated, even if you tell me to just ring Capquest and pay it. I really don't want a CCJ and will do what's necessary to defend it/get it sorte