Asset Collections harrassment

[phil73]

Long story

- old outstanding debt with Lending Stream

got sold to Asset who wanted to take me to court.

 

I defended and was referred to mediation which I thought was successful.

I have been religiously paying the amounts agreed since last August and now I am emailed by their 'accounts' department stating that they have not received my payment. The reference number also does not correspond to that of the original agreement.

 

I have sent them PDF proof that I have made the payment and they advised me to contact their litigation team with the evidence.

The email address they gave me did not work.

 

I really don't want to speak to them.

Any advice please?

 

I am terrified that they will say I have broken the mediation agreement and proceed to a CCJ.

 

I am not able to go to court due to ill health.

 

I can't pay the whole amount either.

Edited May 3, 2018 by dx100uk
spacing

[BankFodder]

Presumably because it went to mediation, there was no judgement??

 

Are you sure that the debt is enforceable? How old is it?

 

I think it would be helpful to give more details about it.

[phil73]

Hi

The debt was taken out 2012 - so I think it would be statute barred now.

Trouble is it wasn't this time last year when they were harrassing me for it.

I defended on the grounds that I had received no letter before action,

no deed of assignment from Lending Stream etc etc.

 

The mediation officer got Asset to agreet to £65 per month (original debt only about £500 but loads of charges heaped onto it so final amount £1100).

I can't really afford this but I was feeling so weary of the whole thing that I agreed.

I wanted to avoid court at all costs.

I have been paying the £65 every month.

 

No judgment yet

but the agreement states that if I don't make payments Asset can proceed immediately to court and that will be that. It just feels so unfair.

[dx100uk]

so you signed a tomlin order then?

[Andyorch]

Well if they do proceed you simply set it a side on the basis of your bank statement and payments.

 

 

Its their problem let them sort out where your payments are going.

[phil73]

so you signed a tomlin order then?

 

Hi no I don’t think it was a Tomlin order. Isn’t that a CCJ lite for people whose careers would be sunk with a CCJ. Agreement says Settlement Agreement

[dx100uk]

never heard of a settlement agreement that allows to registering og a CCJ if you default on it.

 

can you scan it up please to pdf

read upload