Lowell/Overdales Claimform - old paypal Debt.

[dx100uk]

ex370 is an info sheet upon how to fill out an n180!!

 

 

[Andyorch]

No just tick yes to mediation

 

[westgate22]

48 minutes ago, dx100uk said:

ex370 is an info sheet upon how to fill out an n180!!

 

 

! Done, posted by SD.

Edited July 29, 2022 by westgate22

[westgate22]

hi all, i received an invite for mediation to take place on 6 Sept. I have emailed back to say i accept.

 

I have tried to read other peoples threads on what to do during mediation but for most, IF i have understood correctly, you politely decline to continue during the call stating you don't have enough information & let it go back to the court to be dealt with.  Additionally something i have noticed is that a lot of threads just kind of die off without the OP coming back and saying what happened.

 

Could someone please tell me how or why it is beneficial for me to let it go back to the court because i don't get it.

If it does go back to the court do i not then run the risk of getting a CCJ? I am trying to avoid a CCJ like the plague!

My goal to achieve in this would be to avoid a CCJ, pay what i can afford for the time being towards this debt which is peanuts until i earn more.

 

As far as i am aware, i have now been given copies of all the required paperwork by Overdales which i have uploaded on this thread unless something is missing that i have not spotted.

 

I have also read 1 thread where a poster negotiated down to 10% of the original debt? Is this something i can do in my case?

[robert_harper_2000]

Yes I found the same. Difficult to find the end game

[dx100uk]

we need to see the agreement where you signed up.. be it online or otherwise sign up

this needs to have the date, time, your name (typed)and correct address for the time of sign up,  a tickbox and the IP of the device used.

your name and address should also be on page ONE of the terms and conditions.

 

scan up the relevant pages please.

we dont need to see your details, but please do indicate if these requirements are what you have blanked out.

 

if they do not have this info the agreement is pants and unenforceable, hence why you dont thus do mediation and not get conned nor give away clues as to what will be coming their way from you soon.

 

what usually happens then is it moves to allocation at the court you chose in the N180, this could be months.

then disclosure (witness statement) stage and lowell send the same fake/faulty paperwork, you counter , they discontinue the claim before they have to waste more money paying the hearing fee.

people sadly just dont comeback!!

[westgate22]

thanks DX for the reply. I couldn't edit the PDF so i converted it to Word but it refuses to save back as a PDF. I have also noticed that this agreement seems to have been duplicated 3 times, i am not 100% sure but possible that overdales have duplicated it. The ONLY thing i have edited on this is MY NAME MY ADDRESS MY EMAIL and i have highlighted them in red.

 

Paypal Agreement.pdf

[dx100uk]

use the websites listed in upload next time

done it for you.

 

docx file have your pers details in file info/properties.

 

more later.

[westgate22]

ok thank you..... one thing i noticed is that credit agreement doesn't appear to have an account number or agreement number on it, don't know if it makes a differnce and no IP address either

[dx100uk]

both will be fatal!!

 

more later

 

have a very rare hot day here after 2 days of no rain in about 5weeks of wet weather on the isle and its time to make hay

 

dx

[dx100uk]

19-11-2018 4:22PM was a monday.

as you say no agreement number 

no IP address

 

is the email address the same as the one they've just used to send this stuff to you?

which we need to cut off soon!

 

 

[westgate22]

yes it is the same email as stated on the agreement & i assume this is where overdales got my email from

 

[dx100uk]

urm..that could be a bit of a sticking point for you

but ofcourse theres no agreement numbers or anything.

could they have got it from elsewhere say social media?

 

[westgate22]

it is possible they could have got it from a social forum somewhere, they could have got it from email hacked lists as my email appears on there, can't deny i use that email as it's the same one i used to reply the mediation service & the same one i filled in on MCOL

[dx100uk]

Well we won't go there for now if at all 

A given email address is not a substitute for no ip address and most certainly no a/c number.

 

The claim is not even allocated yet.. case hearing WS etc is months away if at all 

 

Dx

 

 

[westgate22]

so i take it when i get the mediation call on Tuesday i politely inform them that i don't have enough information to make an informed decision or something or the other to not go further with mediation?

[dx100uk]

i would as it stands

you dont want to give anything away.

 

dx

 

[dx100uk]

what happened?