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Hi, I'm struggling to understand why after preparing and filing my defence and completing/ posting the form N180 DQ, I have received an email appointment for a telephone mediation for the case.
I have not been contacted, nor been in contact with the creditor or acknowledged the debt, that had a default dated on my credit file beginning of 2017, and is no longer on my credit file.
I have not been provided with any documentation supporting the claim from Cabot Financial (UK), but received a letter from Mortimer Clarke Solicitors quoting the debt and agreement were assigned to our client and our client has been assigned all rights and title to your debt and is entitled to contact you to collect the outstanding balance owed.
Also, the letter quotes it may take some time, especially if our client needs to go back to the original creditor for information and/or documentation to respond to your defence. In the meantime the has been placed on hold on further action will be taken.
Further to the above I received another letter from Mortimer Clarke Solicitors that quotes This is a simple debt claim and we are therefore instructed to proceed with this matter before it becomes stayed.
My ask here is how do I prepare for the mediation and answer the questions on the telephone when I have not been provided with any of the documentation relating to the claim for something that was defaulted back in 2017?
As always advice is gratefully appreciated?
I have not been contacted, nor been in contact with the creditor or acknowledged the debt, that had a default dated on my credit file beginning of 2017, and is no longer on my credit file.
I have not been provided with any documentation supporting the claim from Cabot Financial (UK), but received a letter from Mortimer Clarke Solicitors quoting the debt and agreement were assigned to our client and our client has been assigned all rights and title to your debt and is entitled to contact you to collect the outstanding balance owed.
Also, the letter quotes it may take some time, especially if our client needs to go back to the original creditor for information and/or documentation to respond to your defence. In the meantime the has been placed on hold on further action will be taken.
Further to the above I received another letter from Mortimer Clarke Solicitors that quotes This is a simple debt claim and we are therefore instructed to proceed with this matter before it becomes stayed.
My ask here is how do I prepare for the mediation and answer the questions on the telephone when I have not been provided with any of the documentation relating to the claim for something that was defaulted back in 2017?
As always advice is gratefully appreciated?
