Robinson Way

fatbelly

Yes they can start a court claim, but you can stay it. This is part of the Rankine judgement - starting a court claim is not considered to be enforcement.

I'm saying ignore letters and phone calls unless they start a court claim

sourcrates

Starting a claim is a whole different ball game to obtaining a CCJ.

Lack of a credit agreement would normally nip it in the bud.

Gizmo21

Thanks all It's a huge help knowing I can keep commenting and you're all there for advice.

sourcrates

Companies, individuals, if they start a court claim, they must provide evidence on request.

These rules apply to everyone no matter who you are.

The legal system, which may not be perfect, still requires evidence to be produced.

Gizmo21

Ah good. Thanks Sourcrates

Gizmo21

Received another letter from them.
"we have sent you a number of letters and tried to telephone you, but your account remains unpaid. The full balance is due but we can now offer you a reduction to the balance you owe to settle the account. We can even discuss you repaying this reduced balance by affordable installments"

Still nothing about the documents we requested. I like their use of "we have sent you a number of letters", they've sent one letter!

fatbelly

One is a number.

So is zero

Gizmo21

I had a feeling someone would answer with that Haha!
Do I continue to ignore them? I'm guessing it's them just clutching at straws because they've so far got nowhere with the document hunt?

fatbelly

The offer of a reduction indicates the are getting desperate. Expect bigger reductions to follow. There's no need to engage with them - they know they have to comply with your cca request

Gizmo21

Great, thanks fatbelly. I'll continue to ignore them then