None of the q's on the N180. to begin pleasantries exchanged and then straight to offer and negotiations. They were offering a monthly plan I said if I agree to that they will bind me into agreement. don't know what will happen but at least others will learn from my mistake. Thanks dx for the suport Regards

I did started with saying they haven't provide enough information. The mediator mentioned they don't have any documents to verify she is only here to mediate and come up with offer. The claimant is willing to negotiate and settle out of court so I started with 20%, few calls back and fourth and at the end nothing happened. Sorry dx may be I messed up

Hi dx, the mediation call finished today. I tried negotiating the amount to 20% just to avoid the court. but at the end I decided let it go to court. Claimant was stuck at 75% not reducing any more, so I thought its no point discussing more. The mediator did explained it will cost you more if it goes to court and if you loose a judgement as well. Lets see what happens. I hope I did right thing,

Hi Dx Getting txt message from HMRC, "Small Claims Mediation Service: Telephone Mediation 2020-10-27 from 13:00 - 16:30. If you can't answer YES to all statements, mediation is NOT suitable for your case and you must contact us to cancel" After reading lot of post, Should I contact them and cancel stating "The claimant has still yet to comply with my CPR 31.14 request with regard to clarity of any valid default notice issued, as yet I have never received an original or seen a copy of a valid default notice from the claimant." or Should

Thanks dx. will read as much as possible.

Hi Dx/Andy, Mediation date has arrived end of this month, What should be my position and what options and am I looking? This is something new for me. Thanks

Hi, Latest recd in post today. Doc1.pdf Please advise. Thanks

Hi dx, Even I cant see any 18.2 in any of the documents sent to me. The IP may be right when it was signed. The current HOME IP address doesn't match. The T&C does have my name and address correct. Thanks

Hi DX, Did you get chance to see the documents? was wondering if its enforceable. Thanks

I think I got messed up in attaching every thing in 1 document. PFA 2 documents cca.pdf Doc1.pdf

Yes. it says 5 of 5. should I scan those 5 pages and attach?

Hi dx, Trust you are well. I am about to scan and upload latest Kearns letter and CCA. they sent in Jan 2020 Kind Regards Bill Doc1.pdfCCA and Latest letter from Kearns attached.

Hi All, Name of the Claimant ? LC Asset 1 SARL, 20 RUE DE LA POSTE Date on the claimform : 13 Nov 2019 defence filing date = 30th Sept 2019 Particulars of Claim What is the claim for – the reason they have issued the claim? 1. The defendant owes the claimant 219153 (DEBT) under a credit card agreement with L C Asset Sarl. 2. Dated the 28/02/2019 and which was assigned to the claimant and notice of which was given to the defendant. 3. The defendant has failed to pay and the claimant claims £222153.2 and also claims i

Thanks dx. Its all because of you and Andy I still remember day 1, I was very sceptical posting on the site. Thanks for all the help. another case on similar lines with Marbles card.

Hi All, A recent letter from Moriarty. Do I still need to visit the court ?