Absolutely Mrs O'Frog, we cannot stress that Mitigation as a term to use in a WS is a no no, it is not a rebuttal but a plea for mercy, in this case there is nothing to mitigate, there was no breach to mitigate.
I suspect so myself, Sometimes higher sometimes lower but the weight of £20,000 is well and truly on my shoulders. This totally my fault and it’s totally my responsibility to sort it. I want to and will sort this but it’s going take a hell of a long time! I still can’t get my head around how they would let me make such big transactions, I was basically to-ing and fro-ing the same amount and it was just cancelling each other out. When the amount was due out of my bank account I’d simply make a transaction to cover it and so on.
I CCA'd these last year and Mortimer Clarke said they couldn't produce the original agreement so they cancelled my direct debit and said they would not be pursuing me until they could. Now Cabot are chasing me. Several phone calls, voicemails a day and at least one letter a week. They have now sent me a letter saying they would be sending an agent to the house. I get that they are upping the anti because the debt becomes statute barred next August. What do I say to them if they call to the house?
I suspect many other people have done exactly what you have. Managed to gamble large sums, with the help of Paypal.
Might be £20,000, but that is £20,000 of bad publicity about a poor business model that allows this to happen.
That is why the debts are chased for a period and nothing happens. Paypal realises they have been used for Gambling and drops it like a hot potato.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!