So do I enter into mediation despite not having the information I’ve requested? If I do is that not admitting a degree of liability? Also we’re this to run to court will ignoring my CCA and CPR requests not be a negative against them? Can I go down the route of an unless order yet? I’m conscious the longer it drags on the more time they have to find these documents. Thanks

Yes DQN180 has gone, i had a notice of proposed allocation to the small claims track but as yet that hasn’t been confirmed. I’m assuming they’re awaiting the outcome of the mediation call

Sorry that was a typo (trying to reply on my phone) 2/9 was my defence date. Claim date was 31/7 I picked up the allocation of track letter by mistake

Name of the Claimant ? Lowell Portfolio Date of issue – 31/7/17 Date to submit defence = 1/9/17 What is the claim for – 1.The claimants claim is for the sum of £1498 being monies due from the defendent to the claimant under a store cards, credit cards agreement regulated by the consumer credit act 1974 between the defendant and vanquis bank plc under account reference xx and assigned to the claimant on 4/9/14. Notice of which was given to the defendant. 2.The defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with. 3.The claim also includes statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8% per annum (a daily rate of £0.33 from the date of assignment of the agreement to 4/9/15 being an amount of £120 What is the value of the claim? £1803 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Unsure Did you receive a Default Notice from the original creditor? Unsure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I don't think so Why did you cease payments? Financial Difficulties What was the date of your last payment? 23/2/13 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan no I believe I made a one character entry in the defence box as the form wouldn't submit - Obviously I should have realised at this point I'd clicked the wrong option and started over - stupid mistake I know

Hi I'm hoping for a bit of help. I received a court claim from BW Legal on behalf of Lowell who have bought an old debt from Vanquis. I foolishly misread some information and in attempting to acknowledge service on MCOL entered a defence. That said I have issued a CCA request and a CPR 31.14 request for the credit agreement, default notice, deed of assignment and terms of the agreement which were all referenced on the claim form. None of the above have been received and we are now well past the deadlines. I've received the directions questionaire and agreed to mediation, at the same time requested the above in advance to enable me to prepare. Since then I've received an offer from BW legal of a 20% discount valid for 14 days on the balance of circa £2000 but still no documents just a statement of account with all of my transactions. I've today received the mediation questionnaire from the court which asks me to confirm that I require no further documentation otherwise mediation is unsuitable. My questions I guess are whether my mistake with the defence means that my CCA and CPR requests don't need to be complied with? Also whether I should proceed with mediation if only to say I'm still without the documentation to review the claim? Or should I be doing something else entirely? Any advice would be much appreciated.