Case management discussion tomorrow morning dx. Any tips? I don't really have much to say in the matter other than sticking by that the charges should be removed? Is there anywhere I can read about this reading in 2006 to back me up any?

Yes do you think I should go and fight my case? I always try ought if it got to this stage with an in court appearance I’d just accept defeat and pay it but after you mentioning the charges thing I think I’m going to fight my case now.

Notified the court I was unavailable for the scheduled hearing on Monday but I sent them my defence as well as the letter I sent to Nolan’s and a copy of the spreadsheets. Also notified them I had contacted Nolan’s with the evidence but had received no reply. Ive now received this. Any thoughts dx? Order of the Sheriff.pdf

Just over a week on and there’s been nothing from them. Safe to assume they are ignoring it and will just be hoping for a result from the court?

Nolans Letter-converted.pdf

Would there be any harm in e-mailing my response to them with the excel sheets attached to possibly speed up the response or would it be preferable to do an old fashioned letter?

Going to get this letter typed in the next couple of days. Should it just be sent to Nolans? On it I should have what I am willing to pay and why that amount? Also mention about the bad gambling habit at that time which is proven throughout the various bank statements. Should I mention the change of address?

Yes that’s correct 25th. Cheers again.

First one is 08/06/2014. Last is 24/07/2018.

I'd be over the moon if they were to accept that.

It certainly is. What should be my next step? I'd quite like to get Nolans/The Court notified of these sums before the next scheduled hearing.

CISheet v101.xls

OK I've done that. CISheet Total of Charges = £348 (I've included a number of £12 charges for 'overlimit' and 'returned payment' which I assume is correct? Hadn't noticed them first time around when looking purely for late payment charges. Total after including their 34% interest rate = £590.23 StatIntSheet The total for this after putting in £590.23 and then the date after the 'claim to' date from the CISheet is £5057.49. Should I now be uploading a letter onto the court portal explaining these sums and asking for the total to be removed?

I thought that but just wanted to make sure. Cheers.

Quick question DX. I'm filling these out just now. On the CISHEET should I enter the interest rate of the card as well or should I just add up each £12?