Hi everyone, Sorry for the delay in updating. This was settled by Tomlin order in the end, this was the best outcome for me and I'm really grateful for everyone's help.

I have sent a revised offer; literally no idea where all the other imaginary charges come from. Very typical of their whole modus operandi, though. If they don't accept I think I will just go before the judge, after all.

Lowells have sent me the Tomline order but it is £545 higher than the amount on the claim form. It says that it is made up of costs and interest. Is it normal? I know they said there was a £100 charge for a Tomlin order and £200 for them to attend the case. Is it normal for costs to be included in this way? If I leave it until the hearing instead, would the Tomlin order include costs and interest in the same way?

Thanks again for everyone's help. I hope to make a donation to the site as soon as I can afford it.

The thing is, I see their point that it is too late to halt the hearing (it is on Monday). But we discussed agreeing a Tomlin order in advance of the hearing. I am happy to do that due to the ongoing mental health crisis. However, it's like the person on the other end of the phone is reading from a script from which they will not deviate, i.e. I must go through this list of information and give it to them, for there to be any agreement. It is problematic as I am still not well. Email would have been better. I will perhaps give it one more try this afternoon. If the total amount is 4000 for example, what's a reasonable amount to offer? To anyone wondering why I should bother negotiating this at all, quite simply it is to end the stress so that I can focus on my health.

I am negotiating with Lowells over the phone (they didn't reply to my emails). They claim I have to give full details of my income and expenditure and that then they decide the amount which will be payable in the Tomlin order. I would rather make an offer myself, but they are repeatedly saying that that is not possible. Who is correct? They also were not prepared to cancel the hearing as they said it was too late (a few days ago). Now it really is too late. Does anyone else find this unusual? Does anyone know how much I should offer?

There is a court date already, and it's coming up.

I've just had a mental health crisis and cannot possibly attend court, not under any circumstances.

Hi everyone. I am going to ask them if they will settle with a Tomlin order, is there any particular way I should word my email is there any particular person I should contact? They are a very large organisation.? I would appreciate any help with this.

Oh no, I though it was all right. Thanks, though. Are points 7 and 8, and the second no. 8 (wrong numbering) no good then?

This is what I have so far: Should 'Claimant' be capitalised? Sorry to be a bother but does anyone have any thoughts on this as I would like to send it? I know it's not great already. I have added this:

They have claimed I have been unreasonable under part 27.14(2)(g) of the CRP. Yes, absolutely. I have spent ages reading threads, most of the witness statements are based around the Claimant not providing the default notice, credit agreement etc. They have now provided these. Can I use the fact that it is a pre-2007 credit agreement but they have provided just a signature and not the terms and conditions, the APR etc.?

I am trying to send it today. I don't have any arguments, though. All I have come up with so far is: "I submit that according to part 27.14(3) of the Civil Procedure Rules, rejection of a settlement plan does not of itself constitute unreasonable behaviour." And some other generic arguments.

Thanks. Would it be possible to apply for an adjournment using Court Form N244 to allow me more time to deal with their arguments? uz4_lastpageof7.pdf

Here it is with the dates. I removed the dates because they are identifying information. I am struggling to come up with a response to their points, really. They have provided the information, so I cannot argue that they haven't. They are claiming that I am defending a claim that was obviously indefensible and cite 'Performing Right Society v Insole'. statement_redacted_second_attempt.pdf