hi to all, this is first post and if ok will try give shortest version for you advice etc.
I had a overdraft of 2k with cbank in 2010
I started having health issues and ended up out of work during next few months,
at this time I had explained to bank who weren't interested.
also at time trying to claim back unfair bank charges.
it was getting to the stage I could no longer stay afloat and although now at 2012 I had paid the debit interest
since 2010 to stay under my 2k limit the bank refused to help even by freezing interest,
I told them I cannot pay.
this took me over the limit and I left as waiting to see if bank would pay back unfair charges which would clear the overdraft but they did not.
they refused to look at us under hardship terms although we were always in debt and really struggling,
a few months went by and I got the odd letter fron debt agency and to be honest can't remember if it was cabot at time
never the less time went on and although I had told cabot I did not except the debt
and it was wrong in my opinion that the bank had sold to them a disputed account.
it seems april 2012 that the balance was paid off but no mention on statement by who, cabot told me they took over on sept 2012.
now. earlier this year 2015 I started getting more letters of demand by cabot including offers to pay a reduced amount
but through principle my debt was with Clydesdale who I still believe due us and there was no way I was going to pay cabot
who I guess bought my debt for a lot less than 2k.
moving on I then started getting letters from weightmans and threats of taking to court,
it was now at this stage I decided yes take me to court maybe I can explain and see what happens.
now at stage where cabot had started cout proceeding via mc online and jumping ahead now have date to appear court which is later this month.
I did get notices and unsure of what to do I kind of put my own defence which looking at some here was very crap.
but they offered mediation I decided not to and then
a few days ago sent as instructed a copy of defence paperwork to court and weightmans
it was 2 days after that I received a basic letter from weightmans stating
" by way of service,we enclose a notice of discontinuance filed and served at court today on behalf of the claimant"
along with the letter is the notice and not knowing what is it says to the court the claimant xxxxxxx all blanked out,
discontinues all of this claim xxxxxxxxx blanked out and against the defendant xxxxxxxxx big sentence blanked out
and finishes I certify that I have served a copy of this notice on every other party to the proceedings.
firstly I assume whatever I had done in my defence it worked, and does this mean its over?
can they try again?
and if so what should I be looking at doing?
many thanks for your help