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Mediation offered
Hi,
I recently entered a defence using the template from this site (changing it where applicable). My main argument is that the claim should be statute barred.
Lowell responded to me via email saying they will look into my request for the requested documentation (I asked for proof of agreement etc) but also said a payment was last paid to the debt in December 2013 meaning it was not statute barred and asked the I reconsider my position.
This claim is incorrect as I checked my online banking and no payment was made 2013. The debt defaulted in 2010 with the original creditor and no payment has been made to any debt agency.
I advised them them that the payment they refer to did not take place and asked them for proof. They have ignored this request (along with my original requests) and I have now had a letter come through requesting mediation.
I understand from this forum that I should accept mediation but I am worried going into this call and being pushed into accepting the debt. Is there anyway I can put pressure on them to respond to my defence before this call? Surely they need to provide evidence of a payment being made in the last 6 years if I am stating it is statute barred?
Any help/advice greatly appreciated.
I recently entered a defence using the template from this site (changing it where applicable). My main argument is that the claim should be statute barred.
Lowell responded to me via email saying they will look into my request for the requested documentation (I asked for proof of agreement etc) but also said a payment was last paid to the debt in December 2013 meaning it was not statute barred and asked the I reconsider my position.
This claim is incorrect as I checked my online banking and no payment was made 2013. The debt defaulted in 2010 with the original creditor and no payment has been made to any debt agency.
I advised them them that the payment they refer to did not take place and asked them for proof. They have ignored this request (along with my original requests) and I have now had a letter come through requesting mediation.
I understand from this forum that I should accept mediation but I am worried going into this call and being pushed into accepting the debt. Is there anyway I can put pressure on them to respond to my defence before this call? Surely they need to provide evidence of a payment being made in the last 6 years if I am stating it is statute barred?
Any help/advice greatly appreciated.
