Hi

Received a claim form from Restons Solicitors last week regarding a personal loan debt of £10k bought by Arrow Global. This was the first notification we had since letters were going to an old address.

Stepchange have advised to fill in the income and expenditure on the admission form and pay £1 per month until our circumstances change and we are able to repay in full.

We have no experience with this sort of thing and are unsure of what is the best course of action.

Many Thanks

thank you

can you please complete and then read the remaining of the following

so we have all the required information to properly advise you

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**(1-Viewing)-nbsp

dx

Name of the Claimant ? Arrow Global

Date of issue – 13th September

Date to submit defence = 13/10/17

What is the claim for – the reason they have issued the claim?

1.The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Egg dated on or about August 30 2005 and assigned to the claimant on Nov 30 2015. Date 04/08/2017. Default balance 9500

What is the value of the claim? 9900

Is the claim for - a loan

When did you enter into the original agreement before or after 2007? Before

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? Unemployed

What was the date of your last payment? Feb 2012

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 plan? yes

many thanks

ah I see rectums are using an ever briefer particulars of claim now

thy to hide exactly what the debt type was or if it was covered by the consumer credit act too.

shame EGG never did bank accounts.

did the put an account number in the POC and was it 16 digits?

you've failed to mention the type of credit question too.

but anyway

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

just one other point..you've done nothing to date with this..you ignore the stepchange advise I hope??

Thanks dx.

Credit was a personal loan, and account number 8 digits not 16.

What are the implications of defending all? Is that to give us time to request CCA?

No we've not done anything with it yet, not taken their advice. Partner called restons to give a forwarding address so we didnt miss any further documents but thats all.

not expecting a response tonight - its late!

please stay off the phone to restons...

don't ever ring a dca or their dogs

they are not bailiffs.

when you do the AOS you can update your address there.

no need to tell anyone else

though as a SIDE NOTE

unless you get mil from old address quickly and regularly you NEED to tell all your creditors or debt owners you have moved

else as you have gotten..backdoor CCJ time,

defend all is what you must do else you'll get a CCJ no matter what else you do.

you don't want them to return the CCA or the CPR

think about it.....

just remember this is a speculative claim

hoping for a kneejerk reaction [which you almost did]

or hoping for a non contested default CJ what no human see it and nothing is checked.

go read reston threads in this forum afyer you've don't [AOS} as detailed above

1000's of threads here we normally crush them

Thanks for your wise words. Will action it today.

By sending off these requests am I risking starting a war?

The war they declared already!

Is there a template available for the cpr 31.14? i think i've found one but theres mention of being out of date.

By defending the case and in the scenario of subsequently not having a defence, do we risk extra costs being applied?

https://www.consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued.

" By defending the case and in the scenario of subsequently not having a defence, do we risk extra costs being applied? "

Yes but its relatively small being in the Small Claims Track....by not defending you do guarantee a CCJ on your credit files for another 6 years

Thank you

Thanks

sorry missed the other link last night

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

dx

Afternoon,

In the cpr 31.14 template I have substitued the word 'agreement' for 'contract' as that is what is stated in the particulars of the claim. Do i then need to remove the sentences following?

"You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached."

Im not sure what to include or remove. May be overthinking this!

Thanks

Yes you can remove that as the claimant is not required to serve any documents with the initial claim.

Andy

Thanks!

Good Afternoon

Received what seems to be a standard response from Restons in regard to CPR31.14.

...the claim was issued via the county court business centre which is a procedure specifically provided for in the CPR...

To be quite honest I don't understand what's it's telling me, only that they are not providing what we have requested.

What do we do from here?

No word from Arrow re the CCA request

Many Thanks

await further court instruction, template response to all you got ignore their reterick the onus later will be on them to supply they know it

Thanks old cogger. When you say await further court instruction what do you mean? Do i need to contact them? Thanks

nope - but you must NOT miss your defence filing date whatever happens

next move is YOURS.