I'm desperate for help, I'm so poorly with a neurological disorder and the stress of court case is making me ill.
I have dealt with the claim myself using resources from this website & others. There has now been a court date set WITHOUT mediation going ahead even though myself & the Claimant agreed to this. Surely this is unfair? As there were thjngs I needed to discuss which could have avoided this going to court, time & money for all involved!
Basic info:-
*2 x debts for Very and Capital One on same claim from Lowells/Overdale Solicitors.
*I've only ever received reconstituted CCA for both claims not originals.
* they sent over 160 pages to me read through, which they are aware is so overwhelming as I've explained I'm very poorly alot of the time!
**the address on 1 of the accounts Lowells are claiming I owned (Capital One) I was not living at the address stated on the reconstituted CCA at the time the account was opened. I can prove this as have old tenancy agreement from landlord at the time with dates.
*Both myself and Claimant agreed to mediation but I have never been given the chance to do this, no phonecall, no contact regarding it, nothing..... At mediation stage I would simply have explained that their information is completely incorrect in the reconstituted CCA for Capital One and we could have avoided court for Very debt also
*as far as I know the reconstituted CCA for very is correct (I've honestly no idea they could write anything) but the details are correct - I was going to make them aware during mediation that I am willing to complete a budgeting form with them and agree to a token payment as I'm struggling badly for money at moment! (last thing I want is for the court to set an unreasonable amount that I need to pay each month)
I'm so angry It's been sent straight to court and I only received the letter last week and court is on 22nd - so feel this is totally unfair. I need to respond ASAP as I've been very poorly & think I've missed the deadline to respond.
They haven't followed process at all, I can't afford to request to have the claim stayed as I've been told by clerk at the court that it costs me money to do so!
If someone can please provide ANY advice I'd be extremely grateful. Im in tears today over it all and have no idea what to write in my witness statement or how to deal with the no mediation scenario!
Thanks in advance
What do you suggest I write in my witness statement? Or do in regards to this?
I'd be SO grateful for any help, it's keeping me awake at nights!
I have dealt with the claim myself using resources from this website & others. There has now been a court date set WITHOUT mediation going ahead even though myself & the Claimant agreed to this. Surely this is unfair? As there were thjngs I needed to discuss which could have avoided this going to court, time & money for all involved!
Basic info:-
*2 x debts for Very and Capital One on same claim from Lowells/Overdale Solicitors.
*I've only ever received reconstituted CCA for both claims not originals.
* they sent over 160 pages to me read through, which they are aware is so overwhelming as I've explained I'm very poorly alot of the time!
**the address on 1 of the accounts Lowells are claiming I owned (Capital One) I was not living at the address stated on the reconstituted CCA at the time the account was opened. I can prove this as have old tenancy agreement from landlord at the time with dates.
*Both myself and Claimant agreed to mediation but I have never been given the chance to do this, no phonecall, no contact regarding it, nothing..... At mediation stage I would simply have explained that their information is completely incorrect in the reconstituted CCA for Capital One and we could have avoided court for Very debt also
*as far as I know the reconstituted CCA for very is correct (I've honestly no idea they could write anything) but the details are correct - I was going to make them aware during mediation that I am willing to complete a budgeting form with them and agree to a token payment as I'm struggling badly for money at moment! (last thing I want is for the court to set an unreasonable amount that I need to pay each month)
I'm so angry It's been sent straight to court and I only received the letter last week and court is on 22nd - so feel this is totally unfair. I need to respond ASAP as I've been very poorly & think I've missed the deadline to respond.
They haven't followed process at all, I can't afford to request to have the claim stayed as I've been told by clerk at the court that it costs me money to do so!
If someone can please provide ANY advice I'd be extremely grateful. Im in tears today over it all and have no idea what to write in my witness statement or how to deal with the no mediation scenario!
Thanks in advance
What do you suggest I write in my witness statement? Or do in regards to this?
I'd be SO grateful for any help, it's keeping me awake at nights!
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