Thank you so much for your help!

Thanks for all your help everyone. I finally received a letter back from Arrow Global. It says “We are unable to revert to the original creditor to obtain the documents that you requested” “We acknowledge that, until we are able to provide copies of the documents to you, your account is unenforceable. This does not mean that the account has ceased to exist, if we are provided with the relevant documentation at a future date, we will send copies to you. At that point the account will again become enforceable and we will then require your proposals for repayment. “ The debt is old and has fallen off the credit record already but what do I do now? Stop the payments? Propose a settlement? I'd appreciate the forums guidance

Thank you. No, the letter is titled “Payment Plan Review - Financial Assessment” It also says that “ it is important that we hear from you within the next 7 days. In the absence of a response our client reserves the right to commence legal action.” “The following payment options are available to you 1. Repayment of balance by an affordable payment plan 2. Consideration will be given to a discounted settlement figure” Do solicitors have to deal with vulnerable individuals any differently?

That’s correct. Do I need to complete the I&E form from Shoosmiths in the meantime?

Hi everyone, I'm new to this forum and would be grateful for any advice. My mother took out a Virgin credit card back in 2010, she suffered a number serious health issues, lost her job and could not afford the monthly repayment. She continued to make reduced payments, until she was no longer able to afford these either. I carried on paying token amounts on her behalf over the last 5-6 years. The debt was passed on to a number of DCAs but I continued to pay Virgin directly. Recently a letter was sent to my mother titled "change of Agency" from Arrow and one from Shoosmiths requiring a I&E form to be completed for "payment plan review". My mothers health never recovered, to the point where I manage her finances, the only income she receives is ESA/PIP and I top up to pay the bills and rent. If I fill out the form, her basic expenses significantly outweigh her income, so I'm very unsure how to approach this and would be grateful for any advice. Thank you.