I have had multiple accounts in the past with NatWest, when I got into finanical difficulties, I received letters to say all would be closed, this was in 2018. Now currently I have 1 open bank account, 1 bank account defaulted with an OD, and 1 loan defaulted on my credit reports and nothing on the closed side. I haven't been paying anything to NatWest since July 2018. At first I was chased by Westcots but they soon gave up and I was at the time waiting on defaults. I have been receiving 'please contact us' text messages from various DCAs but no mention of what debt so ignored. I have today received letters from NatWest for 7 accounts saying that their collection agents have been unable to come to a suitable arrangement, therefore it has been passed to Zinc as their collection agent. NatWest still hold my accounts right? I haven't been in contact with any DCA as nothing has been by post just text message so until they do I will just ignore. What are Zinc like? Will NatWest ever actually sell my accounts - only 2. The rest are savings accounts.

I'm still not 100% sure what I should be doing at mediation. I ticked yes to it on the form, then when I get a date and confirmed it I said go ahead. No-one told me not to. I have read the mediation sticky multiple times. do I now go through mediation using the DN as my defence or in the first 15 'introduction' mins do I say 'sorry I can't continue, they haven't in fact sent me all documentation'. Sorry if I sound stupid, I just don't want it to go against me if I now say I can't continue.

1: I received the claim from the Northampton County Court on 28th August 2019 2: Each and every allegation in the Claimants statement of case is denied unless specifically admitted in this Defence. 3: This claim is for a payday loan agreement regulated under the Consumer Credit Act 1974. 4: It is admitted that the Defendant has previously entered into an agreement with QuickQuid for provision of credit. 5: The Claimants statement of case fails to give adequate information to enable me to properly assess my position with regards the claim. 6. It is denied that QuickQuid served any Default notice on the Defendant pursuant to s87 Consumer Credit Act 1974. The Claimant is required to prove that a compliant Default Notice was served upon the Defendant. 7: On the 10th September 2019 I sent a request for inspection of documents mentioned in the claimants statement of case under Civil Procedure Rule 31.14 to Moriarty Law. I requested the Claimant provide copies of the Agreement, Default Notice and Notice of Assignment. 8. Moriarty Law has not sent any of these documents to me. 9. Under Civil Procedure Rule 16.5 (4) Where the claim includes a money claim, a defendant shall be taken to require that any allegation relating to the amount of money claimed be proved unless he expressly admits the allegation. Therefore It is expected that the Claimant be required to prove the allegation that the money is owed as claimed. 10. I request the court orders the Claimants to provide the necessary documentation in order for me to fully plead my case else the Claim should stand struck out. 11. In the event that the relevant documents are received from the Claimants I will then be in a position to amend my defence, and would ask that the Claimants bear the costs of the amendment. 12. It is denied that the Claimant is entitled to the relief as claimed or at all.

Thank you, I now know I can drag it out a but longer My defence is no DN and if/when they don't turn up I'll win Off to do some searching.

Ones I've read either don't mention mediation or that they said it shouldn't happen when they phoned to confirm date. I've confirmed it to go ahead. So on appointment day, when they ring me, I'll tell them sorry but they haven't sent me all documents I've requested. I shall do more reading of threads tomorrow, I did read quite a few that won when going to court.

so even though I have confirmed the date & time, I can say I don't have all paperwork on the day?

Well it's going to mediation first.

Lantern (QQ) Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 27/08/2019 Particulars of Claim What is the claim for – the reason they have issued the claim? The defendant owes the claimant £481.16 under a regulated loan agreement with casheuronet llc t/a quidquid dated 03/01/2012 and which was assigned to the claimant on 20/12/2017 and notice of which was given to the defendant on 20/12/2017 (debt). Despite formal demand for payment of the debt the defendant has failed to pay and the claimant claims £481.16 and further claims interest thereon pursuant to section 69 of the county court act 1984 limited to one year to the date hereof at the rate of 3.91% per annum amounting to £18.83 What is the total value of the claim? £584.99 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? PDL When did you enter into the original agreement before or after April 2007 ? After - 03/01/2012 Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Lantern Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes (via email) from MMF with no letterhead Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Couldn't afford them What was the date of your last payment? 25/02/2016 then again 01/06/2018 (yes a paid again when they chased me) Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes - rejected my DMP for one I couldn't afford.

I have mediation set for 12/12/2019 with Moriarty Law over a QQ loan. If it goes against me when would I have to pay by? 1 month from that date or longer or can I disagree with the outcome taking it to court to give me more time to pay? I want to avoid a CCJ at all cost but can't afford to pay the debt off just yet. I dispute the debt on the ground of no DN being sent, but thinking the worse case scenario. Can I still negotiate a repayment plan?

I have since open a prepayment play with Natwest via their online payment pay 'paybycard' for £10.33 + £28.88 each month starting from next month. Not sure if I should expect contact from them agreeing to it or not. Trying to bypass westcot! In fact payments have changes as below: NCO (Very) £771.00 - £4.56 JD Williams £1,749.00 - £10.33 Natwest £4,888.00 - £28.88 Natwest £1,249.00 - £10.33 (was meant to be 7.38 but put 10.33 in payment plan by mistake) Totals £8,657.00 - £51.15 If Very & JD Williams don't default me then they will stay on my file for 14 years!!!! Both Very and JD Williams are DM/Missed payment for June hopefully they are on the way to defaulting, funnily enough Natwest loan is dm/up to date

Because I am trying to get Very to default me and they play hardball and take months if not years to default. Even though I'm £311.97 in areas my account is still active and saying AR/up to date on my credit file. This is worse than a default and will stay as an open account and be on there for years.

Received details from Lantern but still waiting on QQ. Obviously Lantern only have details of the one loan so isn't much help in a IRL claim. Original Creditor: QuickQuid Lantern Account Number: Client Ref: Client Ref 2: Type of Account: High Cost Short Term Loan Loan Open Date: 03/01/2012 Loan Due Date: 25/01/2012 Delinquency Date: 29/03/2012 Last Paid Date to Original Creditor: 25/02/2016 Default Date: 21/05/2012 Rollover/Extension: 2 Original Loan Amount: £500.00 Original Loan Interest: £590.00 Loan Fees: £24.00 Amount Paid: £551.24 Balance Sold to Lantern: £489.00 Amount Paid to Lantern: £7.84 Current Balance: £481.16 Last Paid Amount to Original Lender: £5.00 Where do I go from here with Lantern. Do I let them know that I am waiting for info from qq so the account is still in dispute? they are pursuing me for interest that amounts to the same amount as the loan, I have already paid £551.24 to QQ. Statement_of_Account.pdf My credit agreement with qq states that I need to repay £722 (£500 loans + £222 interest) and that there are no additional charges after the due date, only £12 late fees. Well my statement shows interest of £147 added 4 times and 2 late charges. Meaning that my balance when sold/transferred on should have been £302.76 not £819. I have since paid off £559.08. My account info does however mention a rollover/extension twice so does the 2 extra interest charges of £147.5 each stand?

So what tactics should I expect from them?

The letters do state that Westcot will be in touch with my debt management company. I haven't been with Payplan for a while now and all creditor have has the self managed DMP letters etc.

So what should I expect?