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About Dialatron

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  1. Hi, Apologies for being quiet on this - a family illness put everything on hold and rather placed this as a lower priority. So, in the intervening months I have made no further contact with Cabot/Restons but they have since provided the default sum notice and last week sent a letter giving me 14 days to agree a settlement or they will lift the stay. I have decided that given my domestic situation I would be far better agreeing the affordable figure with them as there are more important battles that need my attention. As mentioned above my circumstances are not financi
  2. Hi dx, I could have a go at uploading the lot but the monthly statements would all need redacting and this will take some time - I can do this if it is pertinent there's probably in excess of 50 pages.
  3. Shamrocker, I would appreciate seeing a boilerplate letter which may cover this option - would this take the place of a Tomlin Order or would I require a TO? (I need to read up on what a TO is today it seems). If I were to proceed with such an option would either side have the option to renegotiate if circumstances changed? e.g. a windfall on my side allowing me to offer a final settlement (for perhaps) a lower sum? Would the claimant have the ability to demand increased payments? Thanks
  4. No more than about 30 a month - probably nowhere near enough to get an agreement.
  5. Hi, The claim is for £3700 and there's no way I can pay this or any lump sum.
  6. Hello again, So to bring things up to date with this one... Defence was submitted online and shortly after I received written acknowledgement from the court stating that the claimant now had 28 days to act. I received a letter from Restons stating that they had seen my defence and that I should have had possession of all the requested documents but that they would seek to provide these. In the meantime they asked me to contact them to agree a settlement within the next 14 days and they would not proceed with the claim. I made no contact with them. Some 3 weeks later I was s
  7. Thanks Andy, update below. Is there any need/benefit to point out that I have had no response to my letter to Cabot and/or that my request predates the action? 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 a contractual relationship with Tesco Personal Finance Plc. I do not recollect the details nor am I aw
  8. Hi, been looking through some other cases and here is my first draft of the defence - hoping to get it up very soon... Particulars of claim (for reference only) 1.The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Tesco Personal Finance Plc dated on or around Oct 20 2012 2. And assigned to the claimant on Aug 14 2017. Particulars are a/c no xxxxxxxxxxx DATE 11/12/2017 ITEM Default Balance Value 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defenda
  9. Hi again, I have now received the following from Restons. Does this change anything? Are there any actions I need to take as a result of this letter? Thanks Redact1.pdf Redact2.pdf
  10. CCA went to Cabot, as per the guidelines, Postal Order etc
  11. Apologies - service has been acknowledged and the CPR 31.14 is ready to send today. Without getting maudlin its a comfort to have help - won't deny that I'm still pretty scared by all this and what might happen.
  12. On the MCOL site should I 'sign' as the defendant?
  13. It appears to be from the County Court Business Centre, Northampton
  14. Apologies for my confusion - the PAP letter and Claim letters were about 30 days apart maybe less, I don't have them to hand. It may have been under 30 days in my 'possession' as they used 2nd class post during Xmas and the letter date was some days earlier than when I received it. I did respond with the CCA within the 30 days but it looks like they sent the claim letter regardless.
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