Lowell/Overdales PAPLOC Now Claimform - old Vanquis Card Debt.

[persha50]

Yes mediation service.

Only info is my agreement and payment schedule of payment showing last payment in may 2015.

I think i sent a copy in last lot of paperwork.

They are claiming i made a payment of £1 in 2017 which they have not supplied proof of -  claim it is not statute barred.

[dx100uk]

cant seem to see this paperwork they have supplied?

can you re upload the mass pdf please

 

dx

 

[AndyOrch]

On 04/02/2022 at 19:59, persha50 said:

Hi - finally got reply from the court asking for the N180 to be completed.  Still not able to log into MCOL.

 

I am attaching all the documents received so far including letters from solicitors and a bank statement show the last transaction in May 2015 and no £1 transactions which they have not sent proof of either. 

 

The alleged debt has now been removed from my credit file as well.

 

Got a letter today from the solicitors asking me to reply to their letter dated 17/01/22.  FYI they have said in the letter copy attached but of course nothing was attached.

 

Do I reply to the solicitors and should I complete the N180.  Account is definitely statute barred.

All docs.pdf 4.68 MB · 7 downloads

 

[persha50]

Alleged debt has also been removed from my credit file.

Let me know if you need more documents.

All docs.pdf

[dx100uk]

so no agreement there then....nor DN.

but 3 payments in 02/04/05 2015 of £50/£50/£55 by you but not within 6yrs of claimform issuance 28/11/21.

 

dx

 

[persha50]

Hi - yes they have sent me DN and agreement.  My apologies as had sent previously so thought you already had a copy.

 

No payments made after May 2015 and although in the letter they say I paid £1 they have not provided proof.

agreement.pdf DN.pdf

[dx100uk]

well as we usually say no to mediation if the debt is statute barred....id go with that.. no!!

[persha50]

I did say no when I sent the form in and will email SCM services back saying a big fat NO. 

Should I tell them I am saying no because it is statute barred/

I can't make the date anyway as will be working - I do bank staff cover so can't take time off.

Just curious is it normal pratice for  to set up a mediation if I have said no.

[dx100uk]

what happened here?

dx

 

[persha50]

Wrote back to them saying was statute barred,

I think they wrote back have heard nothing after that so presumed it was written off.

[dx100uk]

them?

the court claim must be stayed then. 

have you checked mcol claim history?

just that is weird you got to no to mediation stage and nothing more happened.

[persha50]

MCOL is a nightmare.  I can never access it keeps saying my password is incorrect.