Well that was a lot less scary than I thought it'd be!! All over in under 5 mins! Case to be listed for a Dispute Resolution Hearing. Date TBA I have to file a witness statement 14 days before the date.

Yup there was no requirement for either side to submit draft directions. All part of the general plan to try to intimidate me and drown me in paperwork I guess. I've done the test CVP conference OK. and have the link for the live conference in my in-box. That has instructions not to join untill 10 mins before. I think I'm all set!

I received this today from Overdales. I'm assuming I agree to this as long as I can specify a few dates I'm not availiable ? Mat proposeddirections.pdf

I assume so. The covering letter just says "hearing Bundle". and references the claim number. What happens at a CMC? I assume no final decision will be made, the Judge will just be deciding what happens next? Do I need to do anything except show up and answer any questions ? I assume my arguement is simply that there is no enforcable CCA in that bundle. Thanks Mat

I've received another huge bundle of paperwork from Overdales labeled "Hearing Bundle" it appears to be yet another copy of the same stuff they've already sent me 3 times. Doesn't appear to be anything new in it.

Yes it's showing as opened 14/11/18 on clearscore

The agreement has my correct name and address typed into the areas I've blanked out There is no IP address. I've just noticed that this bundle has an extra page in the credit agreement that wasn't provided before. it has a tickbox, and a date/time. the quality isn't my scanning, the original they provide is blurred It was signed up online, November 2018 extrapage.pdf

I received this from my local county court a couple of weeks ago, hung on to see what Overdales could come up with, and yesterday another bumper pack from Overdales containing another copy of the "Credit agreement", default notice etc that are already attached to this thread. Nothing new from overdales. cmc 17-5-23 10-00am 15 minutes.pdf

I was going more on previous experience of these mediation calls, where I managed to make the mediator angry by trying to discuss poor quality paperwork or anything other than how much I was going to pay the other side! His entire attitude was I had to pay something and all he would discuss was how much that something was. And he told me off for wasting his time before terminating the mediation

I'm not quite sure what to do next I have an appointment for mediation. the letter has some fairly strict instructions about negotiating in good faith. I'm pretty much flat broke, I don't have anything to negotiate with. And I don't really want to negotiate a settlement. Do I respond to the letter with the requested details? and what do I do when the mediator calls ? TIA

I've just got home from a week away and found this waiting for me! It seems my N180 form never made it to the right place. I've emailed another copy of it today, it just seems rather a coincidence that this order is dated the day before I went away, dates listed in the "when are you unavailable" section of the N180 Lowels had a copy of . . . . . n24.pdf

I blanked out email and mobile, everything else on the form they already have/know

OK Second attempt at scanning! Again the quality of the credit agreement is poor, but that's how they sent it to me Directions questionnaire returned, copy sent to Overdales as per the court letter that came with the DQ CreditAgreement.pdf DefaultNotice.pdf

Default Notice and first page of the credit agreement, the rest of it is 8 more pages of the same printout of the T&C, and creates a file too big to be uploaded. I'll scan it all as single page files if it's really needed The poor quality of the CA is not my scanning, what they send me is poorly printed a very blury! Mat CreditAgreementPage1.pdf DN.pdf As to the N180 form, I plan on replying I agree to small claims track Hearing venue my local county court no to mediation (it was a complete waste of time last time) One Witness, Me! Overdales have asked for a telephone hearing - is there anything I can put on the form to reject that idea?

I've had a few letters! From overdales, A copy of a Directions Questionnaire they have submitted. And a big bundle containing Loads of copies of statements. A copy of a default notice I'm pretty sure I've never seen before A ten page long "credit agreement" which appear to be a printout of the terms and conditions from their website with my name and address typed at the top! A copy of a Notice of Assignment again I don't ever recall seeing A copy of a nice friendly letter from Lowells introducing themselves as the new owner of the debt From the court, A Notice of proposed Allocation to Small claims track and an N180 form I need to complete and return by 4th April What of this lot do I need to scan and upload for you guys to see probably over 100 sheets, double sided so I don't really want to blindly scan and upload the lot? TIA Mat