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Csmxx

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About Csmxx

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  1. Brill. Without you guys I would of been lost. But reading a lot of these threads you realise your not alone and that there is people who can give you great advice.
  2. Thanhs dx. I'll have a nosy through the other forums too to get more of an understanding as well as what you suntested.
  3. Cheers DX. if I go through mediation does that mean that I will have to pay the debt? I've read up a little on it but most things I've read have said that a settlement agreement should be agreed within mediation. I've also read somewhere that with mediation that the claimant needs to have all the relevant documentation relating to the debt? So far Lowells has been unable to produce anything so how would that stand within mediation?
  4. received a letter from lowells solicitors saying they had been notified of the defence and will be transferring the claim back to their clients in house legal department. I have also received a 'Notice of proposed allocation to the small claims track' form from the court which I have to complete by 31st of July. the question is now do agree to mediation which im personally not keen on doing or still fight it and go for the hearing?? As of yet I have heard nothing from lowells even though they must of been informed of the defence claim.
  5. Cheers. Also how do I donate to the site? Won't be doing it just yet tilloyds outcome as I may still need some more help, but would like to donate something.
  6. This better? Also when I'm putting my defence in I don't have to put the actual paragraphs I've put up here in red do I? (They just for your benefir) Its just the defence part I put in? 1) the Defendant entered into account agreement with orangeicon under account ref XXXXX (The agreement) 2) the defendant failed to maintain contractual payments required under the terms of the account agreement. 3) the agreement was later assigned to the Claimant (Lowell Portfolio Ltd) on 27th June 2013 and notice given to the defendant 4) despite repeated request for payment the sum of
  7. Thank you so much for all the help Andy it's really appreciated
  8. Yes Andy I altered point 2 see my last defence post and I'very also noticed point 3 will need removing?
  9. Cheers Andy. I'll get this sent via the online system tomorrow and hopefully fingers crossed will have a decent outcome. I'll keep you updated as no doubt I'll probably need more advice on the next step.
  10. Right final defence, is this OK guys? 1) the Defendant entered into account agreement with orangeicon under account ref XXXXX (The agreement) 2) the defendant failed to maintain contractual payments required under the terms of the account agreement. 3) the agreement was later assigned to the Claimant (Lowell Portfolio Ltd) on 27th June 2013 and notice given to the defendant 4) despite repeated request for payment the sum of xxx remains due and outstanding And the claimant claims (a) the said sum of xxx (b) interest pursuant to s69 county courts act 1984 at th
  11. Cheers Andy so I'll remove the section 78. DX any idea which thread it may be on the one that you say has a better ending?
  12. Just had to change a few things 1) the Defendant entered into account agreement with Orange under account ref XXXXX (The agreement) 2) the defendant failed to maintain contractual payments required under the terms of the account agreement. 3) the agreement was later assigned to the Claimant (Lowell Portfolio Ltd) on 27th June 2013 and notice given to the defendant 4) despite repeated request for payment the sum of xxx remains due and outstanding And the claimant claims (a) the said sum of xxx (b) interest pursuant to s69 county courts act 1984 at the rate of
  13. Back again guys. Is this OK as a defence? Defence 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted and it is accepted insofar that I have once held an account with Orange. I do not recollect the details nor am I aware of any outstanding balance that the claimant refers to and have therefore sought clarity from the claimant given that that they are t
  14. Thanks Andy I'll have a look later when I'm on a break. Feel a bit stupid asking so many questions that many will probably find pretty standard. Once I've done my draught defense can I put it up here to see if it's OK?
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