I can only advise on this thread and what you state they have disclosed so far...as for what they do about other debts you may have with them is unknown at this stage.

Its your choice...as stated your at allocation stage now....they may not pay the hearing fee....they may discontinue..but given the disclosures they have already forwarded to you its looks on balance they have enough to proceed to trial.

Wait until you get your Notice of Allocation with Directions and we can review again...if they pay the hearing fee by date..thats a sure sign its proceeding...

Please dont capitulate!

All you do is fund their fleecing of 10,000 just like you.

Going to fund it anyway should the OP lose at trial with the added bonus of a CCJ.

Thanks Andyorch. The letter states that the FFS offer expires at 4pm on 28 June

So you have 18 days to consider..and hopefully your Notice of Allocation will be here by then...so we review again....sit tight for now.

Also must remind them that his address has changed so that no further post goes to his old address and he doesn't receive it in time !!

Absolutely...dont allow any slip ups at the final hurdles.

Have you started a thread about the credit card debt in the HSBC forum?

Each case will be defended on it's own merit, but if you can post up details you can get advice on how best to deal with it. It's easier to get a handle on things if you start before ever receiving a claim.

Regards the settlement offer, you could always play hardball and make a counter offer for £2k (for example) paid by installments of £xx p/m. Is there anything you feel needs to be disputed with the balance on the account?

I have started a thread on the CC debts

There are some charges on the account that I will add up and see what they come to and use them as a negotiation point

This one: https://www.consumeractiongroup.co.uk/forum/showthread.php?472295-Arrow-Moorcroft-Capquest-and-HSBC-Credit-Card

Yes - try to post some details about it on the thread and we can discuss from there.

Sooooo he has received a "Notice of Proposed Allocation to the Small Claims Track" from the County Court.

It says

TAKE NOTICE THAT

1. This is now a defended claim.

The defendant has filed a defence, a copy of which is enclosed

2. It appears that this case is suitable for allocation to the small claims court

If you believe that this track is not appropriate for the claim, you must complete box C1 on the Small Claims Directions Allocation Questionnaire (Form N180) and explain why

3. You must by 24 September complete the Small Claims Directions Questionnaire (Form N180) and file it with the court office and serve copies on all other parties

There was no copy of the defence enclosed with the notice!!

The letter was dated 6 September and received today.

doesn't have to be a copy

you should be using your down time to read up on like threads

yes to mediation

1 wit you

the rest is obv

3 copies

1 to the court

1 to the sols minus sig/email/phone

1 for your file