Must say that's a promising reply from the shopping centre - they didn't just fob you off and say to appeal to the parking company.
Hopefully if you can show them receipts (or screenshots of debit or credit card transactions) that should do the trick. Good luck!
Back in 2012 both myself and my wife were made redundent (we both worked for the same company) and obviously it caused a huge financial crisis. Anyway long story short we got into a mess.
Since then we have moved home a couple of times and obviously ran away from certain debts but paid others off.
Over the last 3/4 weeks we have started recieving mail from debt collectors such as Lowell and Cabot. Then yesterday we recieved a hand delivered letter from Resolvecall.
After checking Credit files the debts they are chasing are 6 years old and maybe close to being SB. Default dates range from 26/12/ 2013 to 30/04/2014.
Question is should i ignore them for now and see if they go past the 6 year mark?
this is my first draft for the defence to be added to the claim this week
The Claim –
1.The Claimant claims the sum of £6605 for an outstanding debt owed.
2.On 30/08/2006 the defendant entered into an agreement with LLoyds TSB BankPLC for a credit card under ref xxxxxxxxxx.
3.On 09/03/2011 the defendant defaulted on the agreement with an outstanding balance of £6864.
4,On 24/06/2014 the debt of £6679.31 was assigned to Aktiv Kapital portfolio AS, Oslo, Zug Branch, who itself assigned the debt to PRA Goup UK LTD on 31/12/2014.
5.Notices of assignment were sent to the defendant in accordance with S136 law of property act 1925.
6.Payments of £61.58 were received up to 07/01/2016 and adjustments have been applied in the sum of £13.18
In respect to paragraph 1, the defendant does not admit the allegation because
a. The claimant has failed to respond to a number of CCA information requests in full.
b. The claimant has been unable to provide the original creditor default notice
c. The claimant has been unable to provide a complete set of original statements detailing exactly how the debt has accrued detailing: All Transactions. From 2006 to 2016
d. A CPR31.14 requesting the Default Notice and Full statement was sent to the claimant on 25/11/2019 and has not been responded to.
In respect to paragraph 2, the defendant admits the allegation.
In respect to paragraph 3, the defendant does not admit the allegations because:
a. The claimant has not provided the original creditor default notice.
In respect to paragraph 4, the defendant admits the allegation.
In respect to paragraph 5, the defendant admits the allegation.
In respect to paragraph 6, the defendant admits the allegation.
Im a little worried about the parts where I admit the allegation - is this the correct type of response? As i see it they have provided the correct information for these elements of the claim