hitchy1
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Arrow threatening doorstep collection.
hitchy1 replied to hitchy1's topic in Debt Collection Agencies
Letter sent and today received confirmation from Resolvecall that they will no longer attempt collection or any further action or communication. They did state that Arrow or another DCA might contact me in the future. I guess if they do i follow the same process. Thanks for the advice. -
Arrow threatening doorstep collection.
hitchy1 replied to hitchy1's topic in Debt Collection Agencies
I have printed ready to send and just received a letter from Resolvecall stating that they have been instructed by Arrow to assist in collecting and if they don't hear within 7 days they will arrange a visit to the property. Do i send the statute barred letter to them or to both? -
Every few weeks i get a letter from Arrow regarding an old debt. No details just an account number and asking me to contact them to arrange a suitable payment. I know that any payment i last made on a debt was over 8 years ago apart from an agreed ccj which was successfully agreed with help from CAG. The latest letter is they have passed to a specialist doorstep collector who will be in touch. Is it time to ask them for evidence and proof of a debt or should I continue to ignore the letters? They look like standard letters with account numbers added, pretty generic.
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Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***
hitchy1 replied to hitchy1's topic in Legal Successes
Thanks Andy. I will ignore and see what happens after April 9th. -
Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***
hitchy1 replied to hitchy1's topic in Legal Successes
Yes, that's the one. The e mail i received from the court states the following. The payment arrangements are between you and the claimant not the court. The claimant has accepted your offer of £xxxx a month first payment is due to them on xx September 2020. You will need to contact the claimant and arrange to pay them. The claimant will notify us when the payment has been made in full. -
Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***
hitchy1 replied to hitchy1's topic in Legal Successes
Back in 2020 i discovered a CCJ and after much guidance and communication submitted a form N245 in which i ticked the boxes 'suspension of warrant' and 'reduction in instalment order' which was accepted and i subsequently set up a direct debit for the agreed amount. After only 6 payments i have now received a letter from Restons asking me to complete a new financial statement and make a new offer by the 9th April 2021. My understanding was that as long as the payments had been made and the order had been accepted that would be the end of the matter. To say i am stressed is an understatement. I feel like just telling them to do one and take me to court but probably wont help. -
Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***
hitchy1 replied to hitchy1's topic in Legal Successes
Yes, i did what you said. Made a realistic offer and was accepted without question. -
Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***
hitchy1 replied to hitchy1's topic in Legal Successes
Andy Just to let you know my offer was accepted and at least i can stop worrying about further action. Thanks for the advice. -
Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***
hitchy1 replied to hitchy1's topic in Legal Successes
Thanks, the fees changed on 3rd August to £14. I paid over the phone and they confirmed it was the new fee for N245. -
Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***
hitchy1 replied to hitchy1's topic in Legal Successes
Thanks, my communication only started with them recently when i discovered the CCJ which was the main purpose of the thread and subject to N245 which i have submitted. No details at all about Abbey just a reference number and as you say Abbey became Santander in 2010 long after i had closed my account with them. I will wait for the next letter................... I'm sure it will be along soon but I'm tempted to ignore all communication around this unless something specific arrives. -
Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***
hitchy1 replied to hitchy1's topic in Legal Successes
I have submitted the form to the Northampton County Court. Just to confirm the fee for this is now £14 if any others are doing the same. In the meantime i have received another letter from Cabot this time referring to an Abbey National overdraft of £1200 from 2007. I know for a fact that any account i had with Abbey was closed that year as it is the time i entered a joint dmp with my ex. I also know 100% that no payments have been made since July 2013. Any payments that were made prior to this did not come from my account. Am i right in thinking overdraft debt is treated differently to credit card debt? also do i wait until they submit some form of detail about the debt or do i make a request? there is nothing in the letter, just the usual we want to work with you. -
Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***
hitchy1 replied to hitchy1's topic in Legal Successes
It came from Northampton bulk, is that where i return? Also on the document it asks for the warrant number and local number, the only numbers i can see in the documentation is a case number and the account reference number do i use these? i believe the fee is being reduced to £14 from 3rd August. -
Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***
hitchy1 replied to hitchy1's topic in Legal Successes
The info from the court is in post 24 and all i ever received . It doesn't state how to pay so I’m assuming they can ask the full amount. Are you saying I should try and resolve? There is also a link to Cabot website which I haven’t accessed but indicates that a payment plan can be agreed electronically or a reduced settlement amount. Is that not an option? -
Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***
hitchy1 replied to hitchy1's topic in Legal Successes
Ok thanks, i will sit and wait it out. -
Cabot/Restons MBNA Card CCJ and i didnt know i had it. ***Resolved***
hitchy1 replied to hitchy1's topic in Legal Successes
What concerns me is that although the ccj was obtained in Feb 2016 it is only because they didn't have my address that further action probably wasn't taken until now. It's evident that I wouldn't have grounds for a set aside so presumably they have a further 2 years to attempt recovery? On the original ccj there was a court fee of £410 and £100 solicitors fee added to the total. The fact they have now sent me the info and hold me responsible (which in the eyes of the law i am) why would they not simply apply back to court for enforcement and then add more costs for doing this, or are you saying to wait it out until that time comes and then negotiate ?
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