Seems like this is now on hold, has been quiet for a while now. I really appreciate the help you all gave me on this to get to this point. Many thanks

Understood. So worst case, I get informed of new paperwork and stay is lifted and we carry on. Best case I don’t hear anything again but will not really know 100% if it’s done and dusted.

Doesn’t it mean this particular claim against under this reference is discontinued? Will need a new claim or a reopening of this claim?

The attached looks like good news! Do you think I’ll hear again from arrow or they’ll sell to another DC in the future? Many thanks to dx and andyorch for all your help to get to this point. Letter3.pdf

I am thinking of sending the below by post. Would be grateful for your thoughts. Many thanks I refer to you letter dated 19th January 2023 regarding the cheque for £1 that you claim to have cashed. This cheque must not be used towards the balance, the payment must be treated as the statutory payment pursuant to sec 78 of the Consumer Credit Act as per the act. This was clearly stated in my previous letter dated 22ndNovember 2022 which included this statutory fee where I requested a copy of the credit agreement relating to your claim. Should this matter ever be subject to further action, both these letters will be used as evidence. Whether you chose to refund this payment or not, it will still be treated as the statutory payment for you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

Thanks. I will tell them to use it for its original purpose and not towards the balance

Ok .thanks. Sorted. They do have my email from another case many years ago. But that letter was hard copy forwarded to myself

I received the attached the other day from drydens and was just wondering whether it required a response or if it had any purpose. No change in status at MCOL. Defence showing as last action, will this update to stayed ever? Many thanks

So in theory this still has the potential to drag on for a very long time in limbo, or they produce paperwork and apply to lift the stay.

Thanks. Mcol still says defence filed 25/11 as last action. If it is stayed I could still be subject to further action in the future? and also does the statute barred clock get reset to the claim date?

Hello again and happy new year. Still all quiet this end but wondering should I have not received something from court to tell me this has been stayed as is now way over the 28 day deadline they gave the claimant. Am worried I may have missed something. Thanks as ever for your advice

All quiet so far. Just a letter from the court confirming receipt of defence and giving the claimant 28 days to respond otherwise it will be stayed. Due to postal strikes and then a courier failing to deliver in time, etc my cca and cpr 31.14 request weren’t received till 28/11 and defence filed 25/11. Could this cause a problem?

Thanks. I have read a lot of threads now and understand the process up to mediation. If they produce cca default notice and assignment, I am still not sure what makes these unenforceable. Are there any threads I can read on this?

I received a letter from drydens saying they have applied for judgement. Can they get this if I have filed the defence in time? I’d be grateful if someone could explain the next steps. many thanks

Thanks for your feedback but unfortunately I had to submit the above as I will not be able to access the mcol site from now till the latest submission time. what implications will those errors have??