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    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Restons Solicitors and Arrow Global threatening CCJ old egg debt


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Hello all.

 

I have debts that are approaching 6 years old (next March - 2016), from credit cards.

 

 

I defaulted during the crash as I was made redundant and career effectively ended.

 

 

I went into default immediately

 

 

after a period of hassling from creditors I moved house a couple of times (to chase work) and the hassling died down to a trickle.

 

Now suddenly I have a letter threatening CCJ if I don't pay the full amount (near 10k) in two weeks.

It looks serious to me too; I've not had a letter like this before.

 

What can I do?

I've put a little money aside (around £3k) which I could try to use to keep them off my back,

but that would then acknowledge the debt

and I'm so close to the 6 year statute bar.

And would this satisfy them or just give them the taste of blood?

 

If I send a CCA letter will this put the CCJ action on hold?

 

Any help gratefully accepted.

 

chris

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Hi chris_m_and Welcome to CAG

 

I have moved your thread to a more appropriate forum for the best response.

 

Regards

 

Andy

We could do with some help from you.

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Hello all.

 

I have debts that are approaching 6 years old (next March - 2016), from credit cards. I defaulted during the crash as I was made redundant and career effectively ended. I went into default immediately and after a period of hassling from creditors I moved house a couple of times (to chase work) and the hassling died down to a trickle.

 

Now suddenly I have a letter threatening CCJ if I don't pay the full amount (near 10k) in two weeks. It looks serious to me too; I've not had a letter like this before.

 

What can I do? I've put a little money aside (around £3k) which I could try to use to keep them off my back, but that would then acknowledge the debt and I'm so close to the 6 year statute bar. And would this satisfy them or just give them the taste of blood?

 

If I send a CCA letter will this put the CCJ action on hold?

 

Any help gratefully accepted.

 

chris

 

send a CCA request and report back here their response, they have 12 + 2 days to produce or they cannot proceed without satisfying your request, initially that is a start, best to list all details regarding this account i.e. taken out . when, last payment, default date, etc etc without giving personal info on here i.e reference numbers.

:mad2::-x:jaw::sad:
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I have debts that are approaching 6 years old

 

How close is close chris ?

We could do with some help from you.

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Thanks for all the quick replies!

 

Close is about March next year.

 

Given that they have 14 days to respond to the CCA,

and they've already said they will proceed with CCJ in 14 days,

 

 

can they do both simultaneously

. ie hit me with both letters in the post at the same time?

 

 

If they do that I would have lost my opportunity to negotiate a reduced payment, yes?

 

Thanks

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Send your section 77/78 request ...pronto.

We could do with some help from you.

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OK Thanks. And this should go to Arrow Global right, rather than Restons?

 

Yes

We could do with some help from you.

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Restons they are the solicitors, they then know what is going on, they are agents of Arrow so will pass on request to necessary O.C. send Recorded delivery and make copy of receipt from Royal mail site and attach to your letter

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Restons they are the solicitors, they then know what is going on, they are agents of Arrow so will pass on request to necessary O.C. send Recorded delivery and make copy of receipt from Royal mail site and attach to your letter

 

Not necessarily..This is Restons ..the request is not legally binding unless its sent to the creditor...you could drop them a line in response to their threatogram stating that you are currently waiting a response to your section 77/78 request......that will stall them if their intentions are true.

We could do with some help from you.

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Legal Information

Arrow Global Limited

Registered Number: 5606545

VAT Number: 997 3442 67

Authorised and regulated by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (as amended). Consumer Credit Act Licence Number: 0578436

Data Protection Act Notification Number: Z9260328

 

Arrow Global Accounts Management Limited*

Registered Number: 05478076

VAT Number: 997 3442 67

Data Protection Act Notification Number: Z9477941

 

Arrow Global Management Limited*

Registered Number: 07373491

VAT Number: 997 3442 67

Data Protection Act Notification Number: Z3628309

 

Arrow Global Receivables Management Limited*

Registered Number: 5875306

VAT Number: 997 3442 67

Data Protection Act Notification Number: Z9580720

 

Arrow Global Limited, Arrow Global Accounts Management Limited, Arrow Global Management Limited and Arrow Global Receivables Management Limited are registered in England and Wales.

 

Registered Office:

20-22 Bedford Row

London WC1R 4JS UK

 

Arrow Global Guernsey Limited*

Registered Number: 49547

Data Protection Act Notification Number: Z1552619

 

Arrow Global Guernsey Limited is registered in Guernsey.

Registered Office:

La Plaiderie House

La Plaiderie

St Peter Port

Guernsey GY1 1WG

 

* Accounts are administered through Capquest Debt Recovery Limited, which is authorised and regulated by Financial Conduct Authority to carry on regulated consumer credit activities under registration number 475757.

 

Capquest Debt Recovery Limited

Registered Office:

Belvedere

12 Booth Street

Manchester M2 4AW

Registered Number: 03772278

Data Protection Act Notification Number: Z7224604

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But could they still start the ball rolling with the CCJ while obtaining the documents needed to satisfy my CCA request?

I'm concerned that I might lose the opportunity to negotiate a final payment.

 

I've actually just checked the letter (which I received yesterday) again and it only gives me until 4th December - 7 working days - to pay in full before they start CCJ action.

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But could they still start the ball rolling with the CCJ while obtaining the documents needed to satisfy my CCA request?

I'm concerned that I might lose the opportunity to negotiate a final payment.

 

I've actually just checked the letter (which I received yesterday) again and it only gives me until 4th December - 7 working days - to pay in full before they start CCJ action.

 

Well that's the intention..... to play with your mind.....if they issue a claim just because you made a request for the agreement then it does not bode well for any prospective F&FS negotiations.....which you can still do even if they do submit a claim.

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

 

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But could they still start the ball rolling with the CCJ while obtaining the documents needed to satisfy my CCA request?

I'm concerned that I might lose the opportunity to negotiate a final payment.

 

I've actually just checked the letter (which I received yesterday) again and it only gives me until 4th December - 7 working days - to pay in full before they start CCJ action.

 

See Item 6 above:-

 

you could send copy of CCA1974 request to Restons for information purposes1 see if they continue to issue a N1 court case form, they all use scare tactics to see if you panick and pay up. read threads and you will see what happens oir get a good idea.

:mad2::-x:jaw::sad:
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daverules - I would say before, but it might be tight. I don't have exact records, and I think I may have consolidated a couple of credit cards into a loan with the same company around that time. I was foolish in those days and didn't keep records.

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