Chased for debt Iam not responsible for

[Tapper123]

A well known Debt collector via solicitors, have issued a CC Claim on two credit agreements that I don't recognise and am not responsible for. Original creditors; both defaulted 2016. I challenged the lawyers/debt collector, asking for CCA's and have sent back acknowledgment submitting my defence to the court. I then mailed a second letter to the lawyers, requesting Credit Agreements and a breakdown of the accounts. I subsequently received a letter from them containing a list of transactions with no branding or creditor contact info. However, they are yet to provide me with CCA’s requested. I have now been offered mediation, I really don’t see any point in this, when they haven’t sent the credit agreements, on which they rely for their claim. Can you please advise how I should respond. Thank you

[echat11]

Hi TAPPER123

Welcome to LB

I would state that although you would like mediation, the Creditor hasn't complied with your requests for documentation.

If you haven't made any payments in the last 6 years and haven't acknowledging the debt in writing, then the debt is statute barred. You should have stated this in your Defence document.

[Tapper123]

Hi There

Thank you for your reply and warm welcome.

My stance is that I'm not responsible for the debt.

Are you saying I should write back to the lawyer, lowell or the court and state their noncompliance?

regards

[echat11]

Yes, explain that the Creditor / Solicitors hasn't complied with your CCA request, so you can't do mediation until they do so.

Don't say you don't want mediation.

Fill in the following and copy / paste back to this thread. Leave out personal information:-

Received a claim? Yes/No:
Issue Date:
Have you Acknowledged the Claim?:
Total Amount Claimed : ( approximately please do NOT use EXACT figure given on the claim form, round up to next £100 or £1000)
Claimant’s Name:
Solicitors Firm:
Original Creditor:
Original Debt (eg. Credit card/Loan/Overdraft) :
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?):
List any letters you have sent (eg: CCA/ CPR ):
Any Other Information or Background Details:

[Tapper123]

Hi Echat…

Will fill out when in the office later.

Daft question- excuse me- Should I still tick the yes box for meditation, on the court paperwork ?

[Tapper123]

Or just make the statement in the notes?

[echat11]

I'd tick that you want mediation, but write in the notes that you have not received the requested documentation from the Creditor / Solicitors.

[Tapper123]

Thank you

[Tapper123]

Hi Again,
Im filling out the court form now, not sure where to write the notes, presumably I just write in the mediation section, under the tick boxes?
apologies, just want to get it right!

[echat11]

Hi Again,
Im filling out the court form now, not sure where to write the notes, presumably I just write in the mediation section, under the tick boxes?
apologies, just want to get it right!

Attach a sheet, stapled, write Reference A1, add the notes to the sheet. That way, there aren't any errors.

[Tapper123]

thank you again