Hi there,(posted 8433 days ago)My advice is don't waste your money. It is up to the RSA to provide the documentary evidence to support their claim. If they refuse or do not have it then they CANNOT succesfully take you to court. If they actually did start proceedings then you can get the documents using discovery and, if they actually have a case, discuss settlement before the case comes to court.
As you know I am being chased by the same lot as you but since I last mailed you the solicitors and debt agency have both returned the file to RSA to put the ball in their court. This tells me that they cannot have a case otherwise why have they ignored my letters and why have they returned the file.
The only communication from the RSA - and I hope they are reading this - was to my MP where they said I had admitted contact being made in a telephone call to them. This is a bare faced lie and in my opinion a desperate idea from them to try and get me to play ball. I have never contacted them and the RSA have never contacted me directly.
Stick with it, don't (in my opinion) waste your money on a barrister, keep politely asking for documents and clarification of what they are saying. It is unlikely they will ever give you everything you ask for so just keep asking. They are a pain but one which will, in time, go away. No one can simply say you owe me £xxxxxxx and expect you to pay it without PROVING the debt is just.
Good luck, and keep up the fight. Don't let the b******'s grind you down - that is what they are hoping for.
Matt