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unknown Arrow/Restons CCJ for 1996 M+S card


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Hi Caggers.

 

Hope you can help please?

 

Letter from Restons informing my wife that they have obtained a CCJ against her on behalf of Arrow Global.

They are wanting to reach a payment arrangement for the amount which is under £5k.

 

This concerns a M&S Credit Card which I believe to be Statute Barred.

 

I have not had any correspondence from the Court so this is a complete "unwelcome" surprise to me.

 

My Wife has mental health issues and I am her full time carer.

 

Not sure what my next move should be so any help muchly appreciated.

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Have you checked her credit report to see when the default date was?

We could do with some help from you.

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go ring M+S

ask last date of payment.

 

if that's more than 6yrs previous the CCJ minus 1 month

 

then id be inclined to ring Arrows

catch them on the hop

and ask them to set it aside by mutual consent FOC

 

if they wont then you'll have to use the N244 route {£240)

but you should be able to get fee remission ex160 etc

as I assume she is on benefits etc etc.

 

I would guess this was taken out at an old address?

and oh how funnily rectums find the right address after they purposefully got a backdoor CCJ using an old address...

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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what date was the CCJ acquired?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

why cant it verify her?

moved not updated address

married/maiden name?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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noddle?

 

 

is she registered to vote at the present address and say has a bank account in her name or joint one registered to it?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

date of CCJ

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

does it give the claim number?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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is their a claim number on restons initial letter

it will be a letter number string?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

That'll be the org m+s card number

You could try ringing northants bulk

They might send you a copy of the ccj and claimform by email PDF without the ccj number

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok will do. 👍🏻

 

Really appreciating your help here.

 

Been trying but it seems they are adverse to answer any of their numbers.

 

Oh what fun. 😐

 

Impossible to get Northants to answer the Phone.

 

Phoned M&S Money and after finally getting access to the Account told it had been passed to Collections and transferred to a dead end.

 

I have emailed Northants but it seems it could be ten days before I could expect a response.

 

I phoned Arrow and they said I should deal with Restons. I left a message asking for them to set it aside.

 

I will keep phoning Northants, dunno what else I can do at the moment.

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its Monday usual hell for northants

but someelse here got thru today so try again tomorrow

don't forget they close at 4pm too.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

No joy phoning Northants so phoned Restons. 😱

 

They gave me account number and told me last payment was within the 6 years.

 

I checked my records and there were token payments then and one possibly to a previous dca. So to my dismay, I think it probably isn't statute barred.

 

I made a partial offer and they refused but indicated they would haggle.

 

I know advice is to never phone collectors but my wife is ill and the stress is making her worse..

 

Restons suggested sending medical proof of her illness, so she would be dealt with more sympathetically, will that help any?

 

In the blurb they state they cannot accept a lump sum without full details of finances. Is that BS?

 

Any help greatly appreciated.

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I would still try and get the details from northants.

 

 

let rectums sweat for awhile.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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