Quick update. I have just called Northampton and the case has been stayed since 30th November. Did have a letter from DF stating that they have sent my defence to AG and they would revert back once their client instructs but that was a month ago. Guessing they aren’t sure of the next move. GH

Thanks guys will let you know the outcome. GH

Thanks DX. This is definitely statute barred, they are however trying to say the £1 postal order sent nearly six years ago for the CCA request was payment towards the debt and as such re-started the 6 years. I have proof of everything so not overly concerned on this point. Do I really need to start playing letter tennis with the CPR 31:14 request? This was statute barred 4 years ago. I think they are just hoping I ignore the court letter? Thanks again GH

Hi Andy Hope I’ve done this correctly. Name of the Claimant - Arrow Global Date of issue – 13/10/2017 What is the claim for – 1. The claim is for the sum of £6500 in respect of monies owing by the defendant on a credit agreement held by the defendant with MBNA under account number **************** upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. The balance owed was assigned from MBNA to the claimant, and the defendant has been notified of the assignment by letter. What is the value of the claim? - 6500 Is the claim for - C.C When did you enter into the original agreement before or after 2007? - Before 2007 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. - Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? - No 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? - The financial crash lost house and everything else What was the date of your last payment? - Unsure early 2008 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 planicon? - Not sure on this one? May have called them at the start. Definitely didn’t enter into a debt management plan though.

Brilliant thanks Cogger.

Right, acknowledged the claim. Am I now right in saying that I have 28 days from day of service (issue date) +5 to submit my defence? Cheers GH

Thanks Cogger.

Morning, Court letter has landed on the mat! I will acknowledge online this afternoon once I get a chance. Is it wise to submit the defence at the same time? It is a straight forward statute barred defence the wording of which I am unsure at present. I would appreciate a link to a simple SB defence as I have seen so many different types I am unsure as to which one I should use. I really do not want to make an error with the wording. Many thanks as always GH

Thanks guys. I will ignore them until the courts papers land on my mat. They have had an SB letter and also sent proof of the CCA request and corresponding proof of posting etc. I will fire in complaints to the relevant authorities this week. Regards GH

Hi guys, Right this one isn't going away. Had a letter from Drydensfaifax on behalf of Arrow Global. I ignored the first as it was the usual pay up etc. The latest one states that they WILL commence legal proceedings if they hear nothing by the 27th September. I have an SB defence as I am able to prove that they allocated the statutory £1 postal order to this alleged debt. I had sent a CCA request on the 7th November 2011 with the £1 fee. I have recently received a statement from Arrow Global which clearly shows that on the 8th November 2011 they applied the £1 postal order to the debt and as such they believe that the £1 re-started the 6 year time limit. I have stated the misuse of funds to them previously but as is their way they have chosen to ignore it. The alleged debt has been SB around 3 years to date and is "due" to be SB again on 8th November this year working from their dates. Is it prudent to send the following: 1. Pre Action Letter (Any templates available?). 2. SB Letter (Again). 3. Proof of CCA Letter containing proof of posting and receipt for postal order (Again). All in separate envelopes. Obviously I will be defending any action taken but as a side note can I hit them with a counter claim? If so how would I go about it? I have never admitted to the debt in writing or verbally (never spoke) and never paid a penny towards the debt. Any advice would be greatly appreciated. Regards GH

Cheers Bazooka I think you are right. I will ignore. GH

Wescot are chasing on behalf of Arrow Global. MBNA were Virgin

Sorry yes it was a CCA request. Transcom were the original dca and the CCA request was sent to them with a £1 postal order which was signed for on the date that Wescot now state that I had paid towards the debt. I have all the previous communication with the numerous dca's assigned to this debt with proof of posting etc. The CCA request clearly stated that the £1 was for admin reasons and not to be used against any alleged debt. The original debt was for an MBNA CC. I get your point with regard the letter tennis and will now just ignore all communication and await the next move as they have stated that they will recommence collection activity mid October. Thanks for your reply. GH

I have an ongoing issue with Wescot who are chasing an SB debt on behalf of Arrow Global. Wescot have been chasing for the last 8 months even though the alleged debt has been SB for some time. I have sent all the relevant letters even one refuting the claim that I had paid £1 towards the debt to a different dca around 4 years ago apparently restarting the clock. This I have proved to be a" prove it" letter request postal order although they will not acknowledge the fact. I sent a strongly worded letter telling them to leave me alone and yet again they are at me. Wescot have just sent me a signed credit agreement (the first time I have seen it) which is fine but I know the debt is unenforceable and they are ignoring the fact that I have not acknowledged or paid towards it in 8 years. Stating that they have now proved their claim and for me to contact them to arrange payment. This is becoming very annoying. Is there a final letter I can send to them and also report them to the relevant authorities to end this? I really want to drive this home surely they cannot continue to harass me in this way? Is it advisable to say "take me to court"? Thanks in advance for any advice. Cheers GH

Hi guys, WC still insisting I complete an I&E statement which I have repeatedly refused to do. I have completed an I&E for my own benefit and have offered above what I can actually afford. Is there a way that I can say "take me back to Court" as I am sure the Judge will settle for a lot less. Or can I apply to the Courts to have a figure fixed to stop these idiots chasing what I don't have? Many thanks GH