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Hello,
Was hoping for some help please.
I recently received a court claim from Asset Collections for an alleged debt, approx £1500 relating to a company called Valour Finance/Savvy Loans, including claim interest from 2016. I had not received any previous communication from this company, and have no recollection of getting a loan funded by Valour Finance/ Savvy Loans. I did take a number of Pay Day Loans from 2010-13 but no record of this company. I read a number of posts on this forum and followed the guide, requesting inspection of documents including agreement, default notice, assignment of debt and formal demand.I also requested copy of original agreement, and wrote to the alleged original lender Valour Finance requesting details. I received no replies whatsoever (Valour Finance/ Savvy Loans seem to have closed down).
Last week I submitted my defence using one of the templates, and explaining I've received no reply. Today I received letter "Notice of Proposed Allocation to the Small Claims Track" taking notice of it being defended claim with an attached Form N180 Small Claims Directions Questionnaire. Please could someone give me some guidance with this.
Should I request mediation? If I do this an in the meantime still do not receive my requested documents, what happens, is there any point in mediation, or would I be wasting time and should I just try to get the case struck out?
Assuming I should just request my local court? What normally happens with this, does it go to defendants court or could it be assigned to claimants preferred court which will likely be long distance away from me?
Witnesses - Think this would just be me!?
Do I need to photocopy and send to claimant? Should I receive copy of their form?
Any advice on what I should do, and what normally happens in these situations would be much appreciated.
Kind Regards
Was hoping for some help please.
I recently received a court claim from Asset Collections for an alleged debt, approx £1500 relating to a company called Valour Finance/Savvy Loans, including claim interest from 2016. I had not received any previous communication from this company, and have no recollection of getting a loan funded by Valour Finance/ Savvy Loans. I did take a number of Pay Day Loans from 2010-13 but no record of this company. I read a number of posts on this forum and followed the guide, requesting inspection of documents including agreement, default notice, assignment of debt and formal demand.I also requested copy of original agreement, and wrote to the alleged original lender Valour Finance requesting details. I received no replies whatsoever (Valour Finance/ Savvy Loans seem to have closed down).
Last week I submitted my defence using one of the templates, and explaining I've received no reply. Today I received letter "Notice of Proposed Allocation to the Small Claims Track" taking notice of it being defended claim with an attached Form N180 Small Claims Directions Questionnaire. Please could someone give me some guidance with this.
Should I request mediation? If I do this an in the meantime still do not receive my requested documents, what happens, is there any point in mediation, or would I be wasting time and should I just try to get the case struck out?
Assuming I should just request my local court? What normally happens with this, does it go to defendants court or could it be assigned to claimants preferred court which will likely be long distance away from me?
Witnesses - Think this would just be me!?
Do I need to photocopy and send to claimant? Should I receive copy of their form?
Any advice on what I should do, and what normally happens in these situations would be much appreciated.
Kind Regards
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