Lowell Claimform - old very CAT debt

[dx100uk]

yes but what did you actually order from them and when?

 

 

might be the key here.

 

 

if I were to be honest should they produce a recon and statements this could get sticky for you...

better to limit the damage....???????????

[im4347]

Yes Dx, I know exactly what I had ordered and when....

 

Yes, I want the least amount of damage, so maybe the mediation is the route to go...

 

IM

[dx100uk]

so where do you think the actually figure should be sitting then?

 

 

dx

[im4347]

Hi all

 

My mediation is on Tuesday morning, any advice would be very helpful.

 

Many thanks

 

IM

[honeybee13]

Hi. Have you read the forum sticky about ADR/mediation?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?433406-Alternative-Dispute-Resolution-(Mediation)

 

HB

[im4347]

Hi Honeybee

 

No, I will check the link now, thank you

 

IM

[dx100uk]

Have they sent the agreement yet?

[im4347]

Hi DX

 

I haven't received the agreement from them, any documents they sent are attached to post #58.

 

IM

[dx100uk]

well that a no to mediation then

the operator will ask you the same questions as on the N180

have you enough paperwork required to continue

you state NO mediation will fail

claim will progress to allocation.

 

 

you really should be reading other threads so you know what the game is with these speculative claims from powerless DCA's

 

 

1000's of them here already

 

 

dx

[im4347]

Hi Dx

 

Thanks for getting back to me, appreciate it. I did mention earlier in my thread that I hadn't received hardly any document from them except the few letters on post #58.

 

Your posts #69 & #74 suggested we could still do negotiations in mediation... as to minimise the damage i.e. CCJ plus costs etc. They have clearly failed on both CPR requests too.

 

Regards,

IM

[dx100uk]

post 66 then worth a try.

 

 

dx

[im4347]

For the mediation in the morning, i was thinking of the following approach, reduce the claim amount as it definitely has charges including interest, if they agree to my proposed amount then to do a payment plan and to remove the claim from court.

 

Any advice would be appreciated.

 

Regards,

IM

[dx100uk]

got your spreadsheet done?

[im4347]

My income & expenditure is done...

[dx100uk]

charges spreadsheet!!

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

[im4347]

Thanks Dx, but I don't have any statements and neither have they provided me with any despite the CPR requests.... there are definitely charges on it as it's over the credit limit.

 

Regards

IM

[dx100uk]

well lets look at a few possibilities here

you indicated last payment was march 2016

were you paying what the y wanted you too

or was it less than required?

 

they sold the debt 6mts later in sept 2016

so i'd suspect you atleast 6mts of £24 [2X£12 late/over limit fees]

at their int rate and maybe before

that alone could be worth £200 in negotiations with them at mediation.

 

see the point i'm making

 

you owe 'something' but that should only be for the goods you have not fully paid for.........

 

 

id have a poke at the above

 

 

each month from the date of your last payment till the date they sold the account

I would be bottom dollar they will have added £12 late payment fee

and

£12 overlimit fee at their int rate [typ 40%]

 

 

so using the foscisheet from that link

pop 40% in cell D15

enter for each of the 6mths

a late payment fee of £12 on say 1st of the month

and a overlimit fee of £12 on say 1sy of the month

 

 

set the claim to date to the date of selling it [notice of assignment date to lowells

 

 

that should give you a ball park figure to negotiate about getting off the claim sum.

 

 

dx

[im4347]

Thank you so much Dx I will definitely do the spreadsheet, thank you for the pointers and help with the spreadsheet.

 

Regards

IM