IDR FINANCE II v Acorn2012

[Diana M]

Re: IDR FINANCE II v Acorn2012

I do not recall being asked at the beginning of the thread to send an sar to Barclacard but perhaps I missed that piece of advice?

See my advice given on 4th January 2017 in post # 7 here >

Have you been receiving annual statements since the account went into arrears (s.86)?

Also did you have PPI on the account?

When you've sent those two letters you need to send a SAR to Barclays to get the full true history of the account so you can tell fact from fiction when any paperwork is produced by the other side.

Di

Di

[Diana M]

Re: IDR FINANCE II v Acorn2012

I need to send off my N180 asap! I am really stressing that I'll end up having to go to court which terrifies me, and as per my previous messages I really need to try and avoid having a ccj on my file. So I presume I will tick that I want mediation? But I'm also thinking I should send them a "without prejudice" settlement over to try and resolve beforehand? Is this the best course of action for me? If so can anyone point me in the right direction of a template I can adapt?

No one can tell you what to do. You need to consider all your options and then make an informed choice based on what works best for you.

As I understand it you have to file a DQ by next week's deadline.

You're understandably feeling spooked by the court stuff because all of a sudden it feels 'real'.

Don't be scared.

The DQ is an opportunity for you to settle this at Mediation if that's what you want to do and if that's what the Claimant wants to do.

I regularly see people on forums wanting a 'template letter' to solve their problem but the one-size-fits-all approach isn't always the answer because each case/claim is different.

From what I can tell you've not had a full appraisal of the documents you have been sent by the Claimant. Maybe that's the next sensible step for you?

Di