lowell claimform - old provident doorstep loan

[dx100uk]

yes to mediation

yes to small claims track

1 witness = you

the rest is obv

 

 

copy to the sols and the court

 

 

but await yours from THE COURT

[Angelina187]

Right ok so wait for the form from the courts, tick mediation, send copy to solicitors and original back to courts.

[dx100uk]

and one for your records

 

 

go read like threads too

[Angelina187]

Hello

I have today received a notice from the court as expected regarding mediation.

 

My question is this -

 

In the guide book accompanying the form it asks me to consider a statement before agreeing to mediation

 

"I can confirm that I have enough information about the claim, to allow me to enter into negotiations"

 

Even after sending the CPR 31.14 and CCA section 77 requests,

they didn't supply me with the required info,

just a letter on 4th August saying they would send the request to provident.

I've not received anything since.

 

 

Is it ok to agree to the mediation based on just the info I have? (I.e without the CPR and CCA responses)

I'm happy to do this obviously as no one wants to go to court,

 

 

but when I get the phonecall do I tell the mediator that they did not comply with the requests??

Or do I just tell them that this debt was paid off in cash to their rep over 5 years ago?

 

Sorry for the long post but I am admittedly out of my depth and a bit confused.

 

Any advice truly is appreciated. Thank you .

[Andyorch]

Agree to mediation and state the debt was paid off over 5 years ago.....Angelina I noticed you have read the following thread.....the poster could not provide evidence his was paid and lost the claim ....

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?477000-Lowells-Cohen-Claim-Form-old-merged-provident-doorstep-loan-debt/page5

[Angelina187]

Thank you Andy for replying.

 

Oh dear, well I'm totally panicking now after reading that post.

 

I have no proof of settlement either it was cash on the doorstep to a new rep and I moved out of the county shortly afterwards.

 

Reading that it appears that a Judge could just take their word over mine and say I'm trying to get out of paying via a technicality and add lots more to a debt I don't owe

 

. Im really not sure what I should do

 

. Ive agreed to mediation now.

[Andyorch]

Thats fine dont worry...but we need to deal with door collection on these types of claims further into your witness statement (if it gets that far) ...Lowell are issuing them...courts are allowing them.....and its their word against yours...everyone knows how Provident operated..barley legal accounting systems.

 

You cant possibly get a worse Judge than in that thread

[Angelina187]

thanks Andy that's put my mind a little more at ease. Honestly I'm so grateful for all the help and advice. You guys are amazing.

[swisstoni]

I'd even go as far as saying, i'd have preferred my Mother-in-Law to have presided over proceedings!

But I may add that I hope my unfortunate downfall will only help others into achieving a better quality defence and witness statement so as to counteract their arguments and to show what could potentially happen....

[Angelina187]

Hi guys

I had the phonecall this morning to arrange a mediation date (17/10)

 

She told me I had to be willing to offer something is that right?

Does she mean like a token payment or do I stick to my guns and push the fact that I cleared this debt in cash on the doorstep years ago?

 

What will Lowells say?

 

Any advice on what to say at the mediation phonecall would be greatly appreciated as I will admit I'm feeling very nervous and out of my depth still.

Thank you in advance

[Andyorch]

You dont have to offer anything...you are willing to enter into mediation for the benefit of the claimant and to comply with the courts process...not for yourself...stick to your defence.