bloody lowell again!

[FRANKIETEL]

hi everyone. sorry to jump up here bjut really hoping someone can hep, ok to cut a long story short i received a court claim pack in august for lowell for 3 debts {never had any of them and 1 is on my credit file as defaulted} i rang the company straight up and they were quite menacing if im honest basically they must hear it everyday that its not my debt, so i acknowlededged the county court pack and said i will be defending it, mediation hasnt worked and ive been in contact numerously with the debt company trying to find new information regarding the debt, the court date has just come through post so id like to start making my defence, heres my problem, 1st debt was with shop direct {littlewoods} they say they cannot provide a default notice but have sent what one would of looked like, but cannot provide a true one, thats whats on my credit file next one is sky tv, they basically wont give me anything from them no agreement bills information all they sent was a notice of assignment copy the next is talk talk and again theyve sent a bill from about 2018 under a diffirent name to mine but similar and a address i just dont recognise again no agreements or final demands etc, i just dont know where to go next, luckily i have rented the same property since 2010 until 2021 and have offered to provide my origional tenancy agreement and a letter from my former landlord, i am officially worried now, any help would be greatly received

[jaguarsuk]

If you have gone through mediation you have already filed your defence, what was it?

[FRANKIETEL]

hi everyone. sorry to jump up here bjut really hoping someone can hep, ok to cut a long story short i received a court claim pack in august for lowell for 3 debts {never had any of them and 1 is on my credit file as defaulted} i rang the company straight up and they were quite menacing if im honest basically they must hear it everyday that its not my debt, so i acknowlededged the county court pack and said i will be defending it, mediation hasnt worked and ive been in contact numerously with the debt company trying to find new information regarding the debt, the court date has just come through post so id like to start making my defence, heres my problem, 1st debt was with shop direct {littlewoods} they say they cannot provide a default notice but have sent what one would of looked like, but cannot provide a true one, thats whats on my credit file next one is sky tv, they basically wont give me anything from them no agreement bills information all they sent was a notice of assignment copy the next is talk talk and again theyve sent a bill from about 2018 under a diffirent name to mine but similar and a address i just dont recognise again no agreements or final demands etc, i just dont know where to go next, luckily i have rented the same property since 2010 until 2021 and have offered to provide my origional tenancy agreement and a letter from my former landlord, i am officially worried now, any help would be greatly received

hi thankyou for the reply,its a stange one because no mediation hasnt actually taken place, i sent the form to accept mediation about 6 times via email to the court and rang up lots but because of the huge backlog it never got processed until way after the deadline then notice a general sanctions on the moneyclaim site, then all of a sudden the court date came through hope this helps

[jaguarsuk]

To even have received Form N180 you must have filed a Defence, so what was the defence?

Can you copy and pasted the notes that show what's happened on the case to date from the MCOL site?

[FRANKIETEL]

ahh got you sorry

[atticus]

I think JaguarsUK would like to know what your defence is. In other words, what are the grounds on which you are contesting the claim against you?

That said, it seems likely that once Darlington County Court Centre gets its act together following transfer of the case there, they will issue a timetable for the case including mediation.

[jaguarsuk]

I think JaguarsUK would like to know what your defence is. In other words, what are the grounds on which you are contesting the claim against you?

That said, it seems likely that once Darlington County Court Centre gets its act together following transfer of the case there, they will issue a timetable for the case including mediation.

That's exactly what I am asking, What did you put in the defence you submitted on 06/09/2021?

[FRANKIETEL]

I think JaguarsUK would like to know what your defence is. In other words, what are the grounds on which you are contesting the claim against you?

That said, it seems likely that once Darlington County Court Centre gets its act together following transfer of the case there, they will issue a timetable for the case including mediation.

ah ok, sorry again, my defense is theyre not mine, i never knew about them until letters started coming i did contact them sometimes theyd talk to me regarding it and others they said i didnt pass security questions, i even contacted fos and thats still going on now, but basically 1 address ive never heard of the other address is a property my late father owned and rented out a few yuears ago i dont even know who own that property now, thankyoum for the replys i really appreciate it

[FRANKIETEL]

That's exactly what I am asking, What did you put in the defence you submitted on 06/09/2021?

sorry again jaguarsuk here it is

[atticus]

what would you seek to get out of mediation?

[FRANKIETEL]

what would you seek to get out of mediation?

nothing really theyve made their position clear and although they keep dropping their settlement offer its not really something i should have to do when its not mine to pay, plus they wont send info so mediation would be a waste of time

[atticus]

That is what I was wondering. But you seem to have requested mediation, so may yet have to endure the process when the court gets round to dealing with this case.

[FRANKIETEL]

That is what I was wondering. But you seem to have requested mediation, so may yet have to endure the process when the court gets round to dealing with this case.

thanks for the reply, yeh i thought that i just read somewhere that the judge would expect you to try and resolve it first how right i am there im not entirely sure,

[atticus]

How do you propose to resolve this if you are not going to offer anything?

NB, you can reply without quoting.

[des8]

Mediation is not the same as compromise, altho' compromise is most often the way to resolve disputes.

To avoid the stress of court, and to save hours of work (and avoid the risk of losing), compromise may be considered worthwhile, even where one is in the right