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Lowell Claimform - OH's Vanquis Card Debt ***Settled at Mediation***


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Its just a copy of their Notice of Assignment and acknowledgment that you have acknowledged service...defence next.

 

Andy

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Defence above amended.....please check for accuracy. 

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Bit early...but your choice

  • Like 1

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  • 1 month later...
Quote

She has received a directions questionaire today, they have ticked that they want to try mediation, do i need to upload this document? and what does she needs to respond with?

 

Have you received yours from the court to submit ?

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  • 2 weeks later...
  • 2 months later...

Simply confirming no mediation and the claim is proceeding to allocation.

 

Andy

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Do you recall how you entered into the agreement...On line /In branch/By post ?

online probably

 

 The copy application form you have uploaded is clearly an application by post as it requests your signature and to post back.

Sections 6 and 6.1 covers the Rights of Withdrawal from the agreement referring to the statuary 14 days cooling off period. 

 

Andy

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@Andyorchcan i have your thoughts too please

 

I cant really fault the CCA....it appears all the prescribed terms are intact...signatures dates etc.....its legible so arguing it is a none starter.

I notice they only offered a lump sum settlement and not a Tomlin Order which would provide monthly terms and stay the claim hence no CCJ.

 

Mediation is simply a means of narrowing any differences between parties and giving the opportunity to settle the claim without proceeding to court...saving further costs.(hearing fee)

 

It might be prudent to suggest in mediation you may be interested in settling this by way of a Tomlin Order on an affordable monthly payment plan acceptable to both parties...if they decline then I would speculate that you cant pay the lump sum and have no option but to proceed to a hearing.

 

I normally take no prisoners....Especially Lowell...but if there's nothing to argue...why dig the hole deeper...sometimes you just have to accept.

 

 

.

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  • 3 weeks later...
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so i stood my ground and long story short got the debt cut in half

 

So has the claim been settled at mediation ?

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