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Lowells and mediation
hi. could anyone help ?
long story short I had a catalogue with Very.
I got into a tangle and struggled to pay having paid on time in advance for all the years since the start in 2013. My last paynent was feb 2019 when i contacted them to ask for help with my account. I got officially nowhere with that
anyway it defaulted and then the lovely lowells got their grubby mitts on it. I have since been battling with them for all the relevant documents to prove the debt etc. It went to CC and i defended and now have mediation next week.However Lowells offered me a pretty poor settlement offer then said if i pay £100 for a tomlin plus set a payment plan they will cease the court action of a CCJ. they gave me 3 days to make a choice.I knew mediation had been requested via directions questionaire from the CC so I told them this. Today they ring me about my email and ask if i want to tell them what I want instead of mediation.I declined and said I was doing it through the CC as they hsd taken that route I told her the date of mediation she said she would update records.
So now Im thinking have I got all the right paperwork ? Is the debt even valid as it was taken out in 2013.....
what do I offer them to stop the CCJ if it comes to that.... I thought about telling them they could have what they paid for the debt which is considerably less than the actual balance, if its true that DCAS onlyn pay a small percentage of the actual debt cost.
The paperwork I have is as follows
A printout of the credit agreement with my name on
a standard eurpeon consumer credit information sheet
statements
and a computer screen shot saying default notice sent with a date
They also note in their letter to me that there is record of me asking Very for help due to financial issues and they forwarded me to their arrears support team. I already mentioned they were less than helpful. Ring stepchange was the advice.
anyway
thats where I am at so any help would be massively appreciated.
It says in their letter they will accept £950 as a final settlement ( which I dont have) plus £100 for a tomlin at my cost. or their client is willing to accept "a reasonable offer in full or payment plan form.
losing the will now with this
hope I have made it clear whats happening if not.let me know If i need to give more info
cheers
lozza
long story short I had a catalogue with Very.
I got into a tangle and struggled to pay having paid on time in advance for all the years since the start in 2013. My last paynent was feb 2019 when i contacted them to ask for help with my account. I got officially nowhere with that
anyway it defaulted and then the lovely lowells got their grubby mitts on it. I have since been battling with them for all the relevant documents to prove the debt etc. It went to CC and i defended and now have mediation next week.However Lowells offered me a pretty poor settlement offer then said if i pay £100 for a tomlin plus set a payment plan they will cease the court action of a CCJ. they gave me 3 days to make a choice.I knew mediation had been requested via directions questionaire from the CC so I told them this. Today they ring me about my email and ask if i want to tell them what I want instead of mediation.I declined and said I was doing it through the CC as they hsd taken that route I told her the date of mediation she said she would update records.
So now Im thinking have I got all the right paperwork ? Is the debt even valid as it was taken out in 2013.....
what do I offer them to stop the CCJ if it comes to that.... I thought about telling them they could have what they paid for the debt which is considerably less than the actual balance, if its true that DCAS onlyn pay a small percentage of the actual debt cost.
The paperwork I have is as follows
A printout of the credit agreement with my name on
a standard eurpeon consumer credit information sheet
statements
and a computer screen shot saying default notice sent with a date
They also note in their letter to me that there is record of me asking Very for help due to financial issues and they forwarded me to their arrears support team. I already mentioned they were less than helpful. Ring stepchange was the advice.
anyway
thats where I am at so any help would be massively appreciated.
It says in their letter they will accept £950 as a final settlement ( which I dont have) plus £100 for a tomlin at my cost. or their client is willing to accept "a reasonable offer in full or payment plan form.
losing the will now with this
hope I have made it clear whats happening if not.let me know If i need to give more info
cheers
lozza
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