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    • for the sake of history, i've merged your old sadly failed charges reclaim court claim. have they ever sent you a default notice regarding this mortgage? dx  
    • I am financially at  point where I can see the light at the end of the tunnel regarding my debts. I have one remaining and I am interested to see what my options could be. I have be in contact with the Citizen’s Advice Bureau and the National Debt Helpline, but their advice has been a little more generic (but still helpful). This debt is 12 years old and is now owing around £3k. It was a bank loan and has been passed to several creditors over the years. A payment plan has always been in place and is up to date. I get statements every 6 months. There has never been a CCJ. I have been sent the letters advising of change of ownership. Following my own review of my finances, I decided to contact the current creditor to see if they have a copy of the credit agreement. I regarded this as due diligence as the debt has been sold on several times. The creditor updated me several times saying they had requested the document from the original lender. After 12 months of this they wrote to me saying they had not received it but were still waiting and would send it once received. The last letter was over 6 months ago. I then submitted a freedom of information request to the current and original creditor. The original creditor supplied one, but the current one did not include one in the pack they sent me. I went back to them to ask specifically about this as it was what I requested in my request. They replied saying the debt was sold to them as one without the credit agreement and they did not have it. They have requested it above, so I believe that means they cannot obtain it either for the FOI request. I contacted the original creditor and exercised my ‘right to be forgotten’, under the Data Protection Act, which they have complied with. I also got my up to date credit file and this debt is not showing on it with the current creditor or any others. I contacted the creditor and made them an early settlement offer. They do have an early settlement offer in place on their portal, but I was advised to try to get a reduction via negotiation. I have not heard back from them yet, but I understand through a separate upheld compliant it has or will be refused. Due to this complaint and the creditor putting the account on hold I had stopped payments, and advised them of this. To date, they have not contacted me about resuming payments since the complaint is resolved, but it has only been a few weeks. I am annoyed that they were not honest with me about not having the credit agreement, because that is not being transparent and I understood they should tell you if they do not have it.   I have two questions (but am open to anything else anyone would like to add): 1) Based on the above, does anyone think this account enforceable? I do not think it is? 2) Does anyone have any suggestions on how to proceed? I could resume payments and then settle early. If the above had not happened, I may have just done that. Thank you for any help or input anyone can provide. It is appreciated.
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Notice of transfer of proceedings


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HI

Ive got a letter saying notice of transfer of proceedings on the top left.

It states Claimant - arrow global

defendant u.

 

Then all it says is

 

To all parties

This claim has been transferred to the the king's Lynn County Court for enforcement.

 

 

That is it no forms attached, nothing, this already has a CCJ , payments are all up to date.

 

Does anyone know why I have got this letter.

 

It is not asking anywhere to respond so I am a bit confused and very worried.

 

Thank you

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Does it have nothing else, ie, appeals to make (outrageous levels, normally) a payment of some sort, or an invitation to call someone ? This seems really quite peculiar, hopefully some other peeps can shed some light on this.

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No nothing atall just this one sentence where you would expect instructions

 

"This claim has been transferred to the the king's Lynn County Court for enforcement. "

 

does this mean " to enforce " or it has been transferred to the NAME of " kings county court for enforcement" meanin they have just transferred the admin files.

 

Thanks

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Is this your local CC?

This appears to me to be that a judgement has been obtained by default, probably through the Northampton County Court Bulk center and

the claimant is seeking a distress warrant for what ever is owing ie they will be authorising bailiffs to act.

You say that all payments are up to date, sometimes there is a delay in funds reaching the account and the some DCA's will throw their

toys out and seek enforcement.

For a start phone Kings Lynn CC on Monday and ask what occuring.

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I have not had a single letter to advise of late payments , delay in payments or anything like that so i dont understand.

 

There is no advice of a court date or to fill in anything , just this message?

 

 

Thanks

 

Ruth

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You need to phone Kings Lynn court asap tomorrow as this smells like a judgement in default, is it possible that document could have

been sent to a previous address?

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Hi

 

Thanks for coming back to me.

 

I have never received any letters to say I am behind with any payments any warnings etc just this plain letter.

 

Wouldnt they ask me to fill a form in and on the letter state it is going back to court?

 

It is just strange a one line sentence without any further instructions as to what is happening?

 

I have lived at this address for 15 years so no nothing would have gone anywhere else, and as far as I am aware the payments are up to date.

 

The CCJ was applied in March 2008 a payment was agreed by variation order by Northampton Court and I have had no responses from the company since ive just been paying.

 

Thanks

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Ah could be the swines are looking to get a a change to the payments,was there codicil saying that could apply for anything like that?

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Is this court headed paper and is there a case reference?

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Hi

 

Yes it has come from the courts, the envelope was marked St Katherines Court and mentioned before the sentence.

 

To all parties.

 

There is a reference for the claimant and not one next to the defendants name.

 

Thanks very much I am so confused and so worried what this is.

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St. Katherines House is the Northampton County Court Bulk Centre much loved by the DCA's

for sending out claims by the dozen.

If I were you Ruth I would phone NCCBC ist thing tomorrow speak to the court manager or one

of the clerks and quote the reference, you should get all the answers, when you do let us know whats on and will be back to help.

Brig.

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Thanks for your help, I will do, was hoping someone on here had received one of these and knew what it maybe to stop me worring.

 

THanks for all your help will let you know when i find out.

 

Thanks

Ruth

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Hi again Ruth I have seen quite a few of these often the claimant will want to move a case

out to the defendants local court and there are dozens of reasons that there could be mostly nothing to worry about!!!!!

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