Thank you for your help, I thought I would be really nervous and tbh I will just see what happens. I always made it clear I would go to court and not back down to them they really are vultures who prey on people when they have no where else to turn. Thanks again

Hi all, ***** Thanks

Hi, thought I'd update whilst I can, I opted for mediation, the claimant has returned there AQ and the court is dealing with the paperwork at the moment, I am trying to chase things up as/when I can. Really want the whole thing sorting now! Will keep you's posted as/when I can

Hi Sillygirl, thanks for your help so far, I have now received the AQ, if I tick the box for mediation? Do you have any other pointers as to what I should/shouldn't say? I have spoken to the court today, they say to send a covering letter explaining that I join the forces in a months time and therefore am unavailable for any hearing so that the case isn't listed, they seem quite helpful. Many thanks

Thanks for your help What would it mean if it got 'stayed'? Also, further to my post earlier- "My issue is that I contacted them and there DCA Carter Forbes in July explaining I was struggling and would they accept token payments until I start work for HM Armed Forces in November, neither of them replied. Now they won't negotiate, I really could do without judgement being entered and feel I have tried to negotiate yet they haven't- is there anyway the judge would accept this and not enter judgement?" do I stand any chance of this? Many thanks

I don't have a scanner, give me an hour or so to sort out dinner and I will nip to a friends to scan

On with that now, I have never been given an address for Douglas Wemyss, shall I just use the registered office? sorry for all the questions and thank you!

Yes it's MCOL, although the password doesn't work?! I have tried it several times!

Just been reading it, so initially I need to acknowledge service stating I will defend in full? sorry if I'm being dumb but I don't want to mess sup!

sorry, date of claim 17th Aug The claimant is Cash Genie UK Limited, although Cash Genie said in an e-mail yesterday they have instructed are Douglas Wemyss Solicitors LLP. I've never heard anything from these though

Particulars of Claim Fixed loan agreement Date Description Amount Due Date 16/08/2011 Deposited 150.00 16/08/2011 16/08/2011 Charges 182.00 16/08/2011 16/08/2011 Interest 630.00 16/08/2011 Total due:- 0.00 The claimant claims the u, of 962.00 for fixed loan agreement I contacted Cash Genie yesterday for the agreement and a statement, they asked if I wanted to make an offer... I typed up a letter, titled "Offer made entirely without prejudice or admission" a I wa advised to do so, my offer was to repay £195 (the original £150 + £45 interest), over the next 6 months. My offer was rejected with the following: "Hello ******, Unfortunately your offer is unacceptable and will not be accepted on the basis that the amount is too low. All charges and interest accrued on the account were agreed by you should you enter a state of default upon signing the Consumer Credit Agreement which is a legally binding agreement." My issue is that I contacted them and there DCA Carter Forbes in July explaining I was struggling and would they accept token payments until I start work for HM Armed Forces in November, neither of them replied. Now they won't negotiate, I really could do without judgement being entered and feel I have tried to negotiate yet they haven't- is there anyway the judge would accept this and not enter judgement? Thanks

Yeah that was what I thought too, hopefully get some replies this evening

Hi all, I know I shouldn't have got involved with payday loans, but I did, I regret it and now I'm paying for it- please don't keep reminding me how stupid I am! Cashgenie have issued against me, the original amount being £195 inc interest, the claim for over £1000! What should I do?! Do I have any grounds to defend the claim? Thanks

Hi all, A friend has recently told me that 2.5 years ago they had an accident, in which their own vehicle was declared a total loss. Upon purchasing the vehicle, she was only 17, so the finance for the vehicle was placed in her sister's name. The GAP policy however was placed in the name of my friend, she was also the registered keeper. The GAP Insurer refused to pay out on the grounds that the finance they were covering was not in the name of the policy holder. Upon purchasing the GAP policy, the local dealer advised that this would not be a problem. I believe that the policy was blatantly mis-sold, however is it now too late to raise this as an issue? Who could I direct a complaint to for them? The Gap Insurer or The Dealer? Many Thanks