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Hecuba

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  1. Thank you and I will ignore letters from Drydenfairfax since the interim charge is a restriction K.
  2. Does this mean I can ignore Drydenfairfax's letters? Given that in fact Arrow only have one interim charge on my joint property.
  3. Hi I should have said I am joint owner of property with my brother.
  4. Hi it's taken me a while to locate the information but I 've now downloaded copy of my title deeds and there is only one interim charge on my property. Arrow Global took out the interim charge on 22nd September, 2008 and since that date until recently I didn't receive any correspondence from them. I've no idea which of drydenfairfax's two letters refers to the interim charge because the references do not match ones on the property register.
  5. I received two letters today from Drydrenfairfax solicitors who are acting for Arrow Global Guernsey Ltd. Both letters inform me there are two final charging orders on my home which I own outright. The two debts are credit card ones which originated with MBNA more than 8 years ago. At that time I was struggling with credit card debts and unemployed so I foolishly ignored the letters from MBNA. Then around 8 years ago I was told these two final charging orders had been placed on my property. Since then I heard nothing from MBNA and did not correspond with them. Then last week I received two letters from Arrow Global Guernsey Ltd. telling me they had passed the matter to Drydenfairfax I knew I would be receiving 'chase letters!' obviously Arrow global have bought these two debts for 'peanuts!' Contents of the letters say 'There is currently no repayment arrangement in place to repay the above outstanding amount and your obligation to make appropriate repayments to repay this balance remains unchanged.' The letter then states Arrow would be willing to accept a one off lump sum of x amount to settle my account. Drydenfairfax have also attached form concerning earnings/income which I will not complete. I am now retired and have only my state pension. I do not have savings so any advice would be most welcome.
  6. Hi ericsbrother, many thanks for your prompt reply. HSBC didn't enforce the CCJ - meaning they didn't demand I pay £10 a month. I voluntarily offered to pay this amount because it was the maximum I could afford. I've been paying £10 a month to HSBC for over 5 years now. will continue paying the £10 a month and won't enter into any correspondence with Cabot. I certainly don't want to give Cabots any reason to increase my monthly repayment will continue paying the £10 a month via HSBC. Also will continue with the £10 a month for each of the other credit card debts since I can't find paperwork showing which credit card company owns the CCJ. Will do a thorough search to find the CCJ's paperwork before sending any CCA's because I don't want to give these DCA's/banks opportunity to go after me. thanks again for your excellent advice and swift response. Hecuba
  7. I received a letter today from HSBC telling me my credit card debit with them for £7,000.13 has been sold to Cabot Financial UK. Cabot Financial also sent me a letter informing me a CCJ was obtained by HSBC from me. Cabot Financial inform me I can continue the £10 a month payment but they are asking me to contact them. I certainly won't be ringing them! HSBC is a credit card debt and I know the CCJ was obtained over 6 years ago. I have been paying HSBC £10 a month for the last five years. My other credit card debts are also over 6 years old and are Lloyds Bank £10,000; Egg £4,800; Capital One £4,000. have been paying £10 a month to Lloyds; £10 a month to Lowells who are DCA for Egg and £10 a month to Robinson Way who are the DCA for Capital One. have been paying £10 a month to each of these companies for just over 5 years now. have searched Trust Online and discovered there are no current CCJ's but I know this is because the 2 CCJ's which I believe I have are over 6 years old. am wondering should I send a CCA request letter to Cabot Financial; Lloyds Bank; Egg and Capital One? I am concerned Cabot Financial might try to force me to increase my payments given they now own the debt.
  8. Hi Ford, thank you for your advice and yes I have recommenced paying Lloyds direct. I haven't missed any payments and as I expected Moorcroft have been attempting to ring me but I've barred their number. Now I've received a text message from them demanding I contact them immediately! I will ignore Moorcroft and continue paying Lloyds direct and yes I too am surprised Lloyds have kept this debt given it is now over 6 years old. I note Moorcroft can't own this debt. Hecuba
  9. Hi dx100uk, I haven't sent a CCA request to Llloyds so I will do so over the weekend and I'll continue paying Lloyds Bank direct in the meantime. Thank you very much for your advice and help. Hecuba
  10. Thanks dx100uk, I had noticed on reading the debt forums that Lloyds have been sending these letters out. So I assume I should just continue paying Lloyds Bank the £10.00 a month I have been doing and of course ignore Moorcroft? Hecuba
  11. Hi on 30th August 2016 I received a letter from Lloyds Bank, signed by Jamie Graham informing me Lloyds have transferred my outstanding credit card debt to Moorcroft and they have instructed them to contact me. I defaulted on my credit card debt with Lloyds 7 years ago and for 6 years 6 months I have been paying £10.00 a month direct to Lloyds Bank. Today I received a letter from Moorcroft (signed by A.J. Martin) telling me that despite fact earlier this week I paid Moorcroft the monthly £10.00 unless I contact Moorcroft within 7 days they will 'recommence collection activity if we cannot agree a repayment plan that you can afford and maintain.' I cannot afford to pay more than £10 a month and have paid this amount to Lloyds - the debtors for over six years now. I feel Moorcroft are using intimidation tactics in order to get me to contact them. I checked my credit rating with Noddle and note this credit card debt is no longer showing so it must be over 6 years old. Any advice would be much appreciated. Hecuba
  12. Hi Fred, Many thanks for your email and I've just realised MBNA did not write to inform me they had sold the account to Arrow Global. After MBNA sent me letter saying they weren't able to comply with my request for sight of original agreement etc. I heard nothing else until out of the blue Arrow Global wrote informing me I allegedly owe x amount of money and I then realised MBNA had sold debt on to Arrow Global. Hecuba
  13. Hi Rob, Many thanks for your helpful recommendations/advice and I have not been paying this alleged debt and neither have I ever acknowledged this old debt. I think they are attempting to bamboozle me.
  14. Hi Rob, Yes I did send Maddersons a copy of the letter I received from MBNA and that was when Maddersons went silent. Then a month or so later Clarity became involved I sent Clarity copy of same letter from MBNA. I have succeeded in obtaining from Clarity written confirmation they will no longer ring me demanding payment. But Arrow Global is another matter.
  15. I have an outstanding credit card debt with MBNA and which I have never acknowledged I am the debtor. I sent a CCA request to MBNA and they replied telling me due to fact they are unable to provide me with original agreement this debt cannot be enforced. However I should continue to pay them money due. I have never acknowledged I am debtor. Then MBNA sold credit card debt to Arrow Global and Maddersons sent me letters demanding payment. I sent CCA request to Madderson and they didn't reply. Then out of blue Clarity became Arrow Global's debt collectors and Clarity sent me letters demanding payment. I sent Clarity same CCA request and today received a letter from Arrow Global. Arrow Global say and I quote 'We do not accept we are the creditor as envisaged by the above statute (statute is Consumer Credit Act 1974). However we are willing to assist in obtaining that which has been requested. We will now process your request for documentation from the creditor and will revert in due course. We confirm all collection activity will be suspended pending provision of the documents. We return payment of £1.00.' (That payment is the postal order I sent to Maddersons). Given MBNA are unable to provide me with my original credit card agreement I do not think Arrow Global will succeed. Any advice would be much appreciated because Arrow Global are refuting they are the creditors.
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