So the original ones are the 2 printed on back of application plus 3-19 on pages 14-17. And the DN ones pages 3-9 with the current address blanked out. The charges detailed on the latter are £18.

then would say the application form and the identified T&C's that go with it

[the set marled 03/00] are correct and enforceable unless anyone spots anything different.

looks like the 1 of 8? set with the correct? address for the time of the DN are correct for the DN timing too.

anyone disagree.

the 1-8 bit on the DN matches the 1-8 on the T&C's too.

is the DN and that set of addressed T&C's the same address?

if they are I'd say they are enforceable too

dx

Unfortunately the 1-8 set and the DN both have the correct address.

And the original ones with the application are correct as long as the address hand written on the application itself is suffice,

and the business about the prescribed T & C being written within the 4 corners of the agreement is not applicable any more.

Looks like I might have to fill in their crappy form after all.

Thanks for having a look at the documents for me.

I've since spoken to someone at Nat. Debtline about the offer of a token £1 a month until any change of circumstances.

The letter from Arrow states that if I do not fill in the forms within 14 days of the letter then they will apply to lift the stay

and apply for summary judgement to strike out my defence.

If this happens would they get the CCJ by default or would there still be a hearing?

I'm pretty confident after speaking to Debtline that the court would deem my offer fair if it went to a hearing.

Or would it be worth contacting the court myself to keep them up to date,

or just waiting to see if Arrow apply to lift the stay?

As always any advice much appreciated.

Yes there would be a hearing and if successful yes they would get their CCJ.....you can call their bluff and ignore or you could negotiate an affordable payment plan and end the matter.

Thanks for your reply.

I've already offered them what I can afford which is the token monthly payment,

but they want information they are not entitled to and proof of income.

How do you prove that you haven't got a job and can't claim any benefits?

All I have is a bank account which is empty 99% of the time and doesn't even generate statements.

As long as they can't get a CCJ by default I'm happy to ignore them and see what transpires.

they know and have been writing to your current address

so pers I'd call their bluff

dx

Still not heard anything further regarding this claim.

They haven't even sent any statements since the last letter threatening to lift the stay.

Can it just be left like this indefinitely?

And more to the point is it a deliberate tactic to prevent it from becoming statute barred?

them writing letters does not extent the SB date

the fact that they issued a speculative claim to pause the clock does though

to all intent you can forget you got the claimfom now.

so when would it have been SB'd?

First missed payment was due 20th Sept 2010.

I was of the same opinion regarding forgetting about it until yesterday but read something about claims sometimes being issued specifically to pause the clock.

Sometimes....always!!

So it's already sb'd

Good to your advantage now

Let it run