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About gwebstech

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  1. yes, she has it now it all seems pretty self explanatory from other posts ive read but ill ask here if not sure
  2. ok , ive had a read up on mediation and the n180 - just a couple of questions: after reading andyorch say mediation is a must, so as they cant use your refusal against you, am i allowed to talk to the mediator for her ? she isnt very good at talking to people like that, she has a few issues. Ill not let them talk down to her or coerce her Also would it be wise on the mediation call to state that they havent sent an accurate copy of the CCA so basically letting them know that we know they cant go to court? thanks
  3. Hi all She has received a directions questionaire today, they have ticked that they want to try mediation, do i need to upload this document? and what does she needs to respond with? im assuming you have to agree to mediation as a court will want to see that but if you dispute the debt how can you go to mediation? thanks
  4. lol no i know they just want her to pay them at least something, but what i mean is as regarding the impending court case, what happens next? i mean do they now need to decide whether to proceed to court and she just has to wait until they get back to her? thanks for the help
  5. Lowells have offered her a discount and theyll cancel the court claim, gave her til then to respond
  6. ok, but theyve given her until the 4th i think to reply. Just ignore it all for now?
  7. So should she just ignore them for now? And surely its irresponsible lending if they gave her a card whilst she was in a DMP?
  8. Hi Yes it looks like her signature and its def her email, that must be where they got the email address from thanks
  9. Hi all Lowells have replied, text of email below, also see attachments. They say she took this card out in 2012, i cant see how as we had both gone into a DMP by then, for at least 2 years previously so both of our credit files were shot to bits, with loads of defaults each and loads owing to creditors so think theyve made that up. I dont know but surely no one would have given her another credit card after loads of defaults? Also is that a true copy of the CCA? thanks WITHOUT PREJUDICE SAVE AS TO COSTS Our Client: Lo
  10. thank you Andy, shall i post this on the MCOL site now? cheers
  11. Hows this for defence? Date of issue: 8th October 2020 Particulars of Claim What is the claim for – the reason they have issued the claim? 1) defendant entered into Consumer credit act 1974 with vanquis under account ref: xxxx (the agreement) 2) the defendant failed to maintain the required payments and arrears began to accrue 3) the agreement was later assigned to the claimant on 23/9/2019 and notice given to the defendant 4) despite repeated requests for payment the sum of £1670 remains due and outstanding and the claimant claims: a) the
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