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Arrows/shoos claimform - EGG card debt


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Hello, hope you can help??

 

My friend has been laid off work sick for 3 months

had a series of problems and traumas leading up to that time which has resulted in being in debt.

 

He has doctors notes and ambulance reports to confirm this.

it got to a point where he was not opening his mail.

He is now in a position to sort out the debts and pay them off in full.

 

All of them can be sorted except for one which is an 'Egg' credit card that took him to court two days ago (without his knowledge) & he received has now got a County Court Judgement.

 

Is there any way he can prevent that getting on his record if he pays the full amount immediately?

 

thank you.

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Yes, he should pay the full amount within 30 days of the judgement and it will not go on his record.

 

However, it's a pity that it is going this way. It would be interesting if you started to find out whether there were any charges levied on the card or whether there were any charges on any of the other debts all PPI. Also, are there any personal loans there which may be don't have CCA agreements accompanying them?

 

If you wanted to get a move on, you could list out the debts here for a quick analysis from someone. Probably our site team member DX would have a look as it is a bit of a speciality of his

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I doubt its EGG that has taken him to court?

more probable its a DCA?

 

have you got the claimform there with you?

you say you have judgement for claimant there too?

 

deal with that first as its time limited upon what he has to do [NO DONT GO BLINDLY PAYING IT!]

 

the other debts can wait till this claimform is sorted, again don't go blindly paying them yet please!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

shoos are the sols arrows are the claimant [a DCA]

 

 

make a new thread for the other debts deal with the Judgement here first

what date was it

and did all the things like previous letters and the claimform get sent to his current address?

so he simply ignored everything?

 

 

is this a forthwith judgement or is it a monthly payment one

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

What it's his primary objective?

To avoid the damage to his credit report / employability of a CCJ on the register?

To avoid paying the claimant at all?

To pay the claimant (if the debt isn't disputed) but less than they are claiming, or over time?

 

Had he got a judgment against him already, or is it that they are seeking such a judgment by issuing a claim?

 

If the latter he needs to act urgently to try and prevent them 'winning by default' (which they can do if he fails to acknowledge service, and then issue a defence).

 

He needs to get onto MoneyClaimOnLine (MCOL) urgently and to create an acknowledgment of service, then sort out a "holding defence" to try and gather the information to see if he has a viable defence, or to negotiate an alternative with them (such as a Tomlin Order instead of a CCJ, so no CCJ shows on the register)

 

If they do succeed in getting a CCJ, he can pay it off (just do so well within a month) to prevent it showing on the CCJ Register.

Whether this is his best option depends on what stage the proceedings are currently at, and what his primary objective is....

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You must acknowledge service of the claim by Monday 10th without fail..you then have a further 14 days to submit a defence.

 

Andy

We could do with some help from you.

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You need to look at the thread:

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**(1-Viewing)-nbsp

to see a list of questions that need answering

 

You need to fill out the answers to the questions posed in that thread.

 

You need to post those questions and their answers in this thread, so you can get reliable advice.

Ypu also need to ensure your friend looks at the important dates (for example if they don't file an acknowledgment of service, the claimant might get a 'default judgment')

 

You must acknowledge service of the claim by Monday 10th without fail..you then have a further 14 days to submit a defence.

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Name of the Claimant ? Arrow Global Ltd

 

Date of issue 23rd June 2017

 

What is the claim for Default payments on Egg Credit Card

 

What is the value of the claim?

 

1. The claimants claim is for the sum of £287.85 being monies due from the defendant to the claimant under a regulated agreement between the defendant and Egglink3.gif Banking plc. (No. .....) and assigned to the claimant on 17/05/2012, notice of which has been provided to the defendant.

2. The defendant has failed to make payment in accordance with the terms and agreement and a default notice has been served pursuant to the Customer Credit Act 1974.

3. The Claimant claims the sum of £287.85

4. C has complied, as far as is necessary, with the pre-action conduct practice direction.

Amount claimed £287.85

Court fee £25.00

Legal representatives cost £50.00

Total £362.85

 

Is the claim for: Egg Credit Card

 

When did you enter into the original agreement before or after 2007? 27th July 2004

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Arrow

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes

 

Did you receive a Default Notice from the original creditor? No

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

 

Why did you cease payments? Changed address and was not aware that I still owed money

 

What was the date of your last payment? 9th November 2011

 

Was there a dispute with the original creditor that remains unresolved? No

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management No

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Have you registered to use MCOL and submitted your acknowledgement of service ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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click it.

 

 

did you not read the full link that resulted in post 10 too?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes thank you for your help will be posting those two letters off today. Would this be the correct department to list all the other creditors he owes money to? I have got them to freeze those debts while we workall this out.

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start a thread in debt management forum

click the main forum tab top left scroll down

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

doesn't wait for anything

you do not miss defence filing date.

 

 

read like threads

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you asked question in post 18

I answered them

you don't wait for a reply if one doesn't come.

what you mustn't do is miss the defence filing date which is day 33

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hello,

 

He did everything you asked ie:

 

get a CCA Requesticon running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14icon request running to the solicitors

 

I just don't understand about not missing a defence filing date & read like threads?

.

don't signicon anything:

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why not?

 

there are like threads here on arrow egg claimforms

use the search CAG box of the top red toolbar.

 

 

all of this is explained

as is how to work out the defence filing date in that link you filled out.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

My friend has now received a letter from ARROW GLOBAL, returning his £1 postal order and saying :-

 

Thankyou for your letter and acknowledge your request for documentation pursuant to the Consumer Credit Act 1974.

 

We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining that which has been requested. We will now process your request for the documentation from the creditor and will revert in due course.

 

We confirm that all collection activity will be suspended pending provision of the documents.

 

We hereby return your fee of £1.00

 

 

Is there anything else that he now needs to do.... or just wait to hear from them.

 

 

Thank you.

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Did your friend submit a defence to the claim by the 25th July...? If not they now have a CCJ

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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