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About Jobyboy

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  1. I've followed the advice on here before, once when a company chased a debt that was over 8 years old - that was very simple. And a second time when Moriarity swooped in at the last minute and lodged a court claim that they eventually lost - thanks in no small part to the advice of you and Andyorch! However, in this instance I believe my last payment/acknowledgment of the debt was 2016 and I would really like to start improving my credit file. Is my only option then to pay in full?
  2. So..... I've been burying my head in the sand about this since I first posted. I've had a look through old documents and emails but can't find my own copies of statements etc so I'm unsure how much I actually borrowed. Every month Lowell are marking a default on my credit file and I feel now is the time to deal with it. They have not been in touch since the latter above. Any advice, I have no idea what to do next? I should add - there was no real reason I stopped paying other than they kept increasing my limit, I missed a payment and the late fees and interest just s
  3. Little update on this. It had gone completely silent for over a year now. I had been expecting to hear something initially but then I guess I just put it all to the back of my mind. However, going through some old paperwork this morning i felt inclined to call the County Court Business Centre. They said everything had been passed to my local court, but it does look like back at the end of 2017 an order was issued for Morarity to supply some requested documents within 21 days and they failed to do so. I then called my local court, who now have the file, and they confirmed the same thin
  4. I've received 'Notice of Transfer of Proceedings". Set to take place at my local court which is conveniently next door to my office. Is it likely to get to that point?
  5. Haha! In the end they came back with a settlement offer of £220 (amount they're claiming is £259.80). I said unfortunately, as it is unclear that they even owned a debt of mine, I could not pay them anything. It is now proceeding to court. The CPR request was completely ignored. I did receive a reply from MMF to the CCA. However, the documents they sent back were for a completely different account. Following earlier advice in this forum I did not disclose this. Unsure if information from the mediation is passed to the court at all, I was exce
  6. Just had the first two calls with the mediator. He didn't ask any questions about my having the information I needed but I stated it. He is saying that they don't have to provide the information I requested (CPR & CCA) until a court date is set. I have stated that until there is proof this debt exists it would be illogical to enter into a mediation agreement. Is this correct?
  7. Ok thanks. They told me the mediation would be a back and forth of phone calls. If I state that they have failed to send the correct documents do they terminate the mediation at this point and continue on to court?
  8. I have read other forums and the court have also confirmed a date and time for telephone mediation. I accepted the date they said (Nov 10th). My understanding now is that I participate in the mediation phone call but state that I have not received the documents I requested from MMF. Is that correct?
  9. Perhaps I had picked a strange selection but I had been expecting them to say No to mediation. I will hunt for some more
  10. I wasn't expecting this after reading other threads but I have just received an email from the 'Small Claims Telephone Mediation Service' It reads: Parties: MOTORMILE FINANCE UK LTD (MMF) v *****ME***** The above parties have all filed a Directions Questionnaire (N180) and have all requested mediation. Provisional Appointment Time & Date The small claims mediation team can offer a one hour telephone mediation appointment between 08:00 and 13:15 on 10/11/2017. Please note that this is not a confirmed appointment and you will receive a further letter/email to adv
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