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PortSN18

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About PortSN18

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  1. I have had multiple accounts in the past with NatWest, when I got into finanical difficulties, I received letters to say all would be closed, this was in 2018. Now currently I have 1 open bank account, 1 bank account defaulted with an OD, and 1 loan defaulted on my credit reports and nothing on the closed side. I haven't been paying anything to NatWest since July 2018. At first I was chased by Westcots but they soon gave up and I was at the time waiting on defaults. I have been receiving 'please contact us' text messages from various DCAs but no mention of what debt so ignored.
  2. I'm still not 100% sure what I should be doing at mediation. I ticked yes to it on the form, then when I get a date and confirmed it I said go ahead. No-one told me not to. I have read the mediation sticky multiple times. do I now go through mediation using the DN as my defence or in the first 15 'introduction' mins do I say 'sorry I can't continue, they haven't in fact sent me all documentation'. Sorry if I sound stupid, I just don't want it to go against me if I now say I can't continue.
  3. 1: I received the claim from the Northampton County Court on 28th August 2019 2: Each and every allegation in the Claimants statement of case is denied unless specifically admitted in this Defence. 3: This claim is for a payday loan agreement regulated under the Consumer Credit Act 1974. 4: It is admitted that the Defendant has previously entered into an agreement with QuickQuid for provision of credit. 5: The Claimants statement of case fails to give adequate information to enable me to properly assess my position with regards the claim.
  4. Thank you, I now know I can drag it out a but longer My defence is no DN and if/when they don't turn up I'll win Off to do some searching.
  5. Ones I've read either don't mention mediation or that they said it shouldn't happen when they phoned to confirm date. I've confirmed it to go ahead. So on appointment day, when they ring me, I'll tell them sorry but they haven't sent me all documents I've requested. I shall do more reading of threads tomorrow, I did read quite a few that won when going to court.
  6. so even though I have confirmed the date & time, I can say I don't have all paperwork on the day?
  7. Lantern (QQ) Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 27/08/2019 Particulars of Claim What is the claim for – the reason they have issued the claim? The defendant owes the claimant £481.16 under a regulated loan agreement with casheuronet llc t/a quidquid dated 03/01/2012 and which was assigned to the claimant on 20/12/2017 and notice of which was given to the defendant on 20/12/2017 (debt). Despite formal demand for payment of the debt the defendant has failed to pa
  8. I have mediation set for 12/12/2019 with Moriarty Law over a QQ loan. If it goes against me when would I have to pay by? 1 month from that date or longer or can I disagree with the outcome taking it to court to give me more time to pay? I want to avoid a CCJ at all cost but can't afford to pay the debt off just yet. I dispute the debt on the ground of no DN being sent, but thinking the worse case scenario. Can I still negotiate a repayment plan?
  9. I have since open a prepayment play with Natwest via their online payment pay 'paybycard' for £10.33 + £28.88 each month starting from next month. Not sure if I should expect contact from them agreeing to it or not. Trying to bypass westcot!
  10. Because I am trying to get Very to default me and they play hardball and take months if not years to default. Even though I'm £311.97 in areas my account is still active and saying AR/up to date on my credit file. This is worse than a default and will stay as an open account and be on there for years.
  11. Received details from Lantern but still waiting on QQ. Obviously Lantern only have details of the one loan so isn't much help in a IRL claim. Original Creditor: QuickQuid Lantern Account Number: Client Ref: Client Ref 2: Type of Account: High Cost Short Term Loan Loan Open Date: 03/01/2012 Loan Due Date: 25/01/2012 Delinquency Date: 29/03/2012 Last Paid Date to Original Creditor: 25/02/2016 Default Date: 21/05/2012 Rollover/Extension: 2 Original Loan Amount: £500.00 Original Loan Interest: £590.00 Loan Fees: £24.00 A
  12. The letters do state that Westcot will be in touch with my debt management company. I haven't been with Payplan for a while now and all creditor have has the self managed DMP letters etc.
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