Hi - I will get the credit files. But will that help? Is that to show that it may be SB? There may be a pile of letters somewhere....If it's not SB would I still have a chance to argue the case?Thanks I have logged in and out so apologies for the lack of paragraphs when posted

Hi, apologies but I don't seem to be able to paragraph - I am pressing the enter key. The text looks rubbish when it's on the site now - please could somebody tell me what I am doing wrong.

Hello - thanks for being so prompt, no credit file not checked.POC (All written in block capitals on claim form).The claimant claims 108.64 being the balance of consideration outstanding to it under account number xxxxxxxxxx in respect of services rendered to the defendant. The claimant also claims interest thereon pursuant to S.69 County Court Act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to 0.00. It includes amount claimed, court fee of 15.00 and Solicitor's Costs of £50.00 making a total of £173.64

Please could somebody help? A claim form has been received from Northampton (CCBC) stating Arrow Global as Claimant and Bryan Carter as Address for sending documents. I have searched for details of Arrow as the name was unknown and have discovered these threads so think I know what the alleged debt relates to. The only possible creditor could be Orange in which the alleged debt was disputed (by telephone) at the time - probably around 6 years ago. Orange placed these charges on when the 'phone had not been used and they did not provide a summary of why the charges were administered.I can post the POC but wasn't sure whether that was appropriate. The claim form is dated 13th August 2012 and was received on 16th August. Any advice would be appreciated. Thanks.

Has anybody any thoughts on this please? Thanks

Thank you. My dispute is the charges they added when they installed a meter to pay off a debt - I had no choice but to have the meter but wasn't informed of the charges and they didn't come to light for many years. The meter was then taken out as the whole question of these meters had been deemed unlawful I believe - as I said it is a long outstanding debt for which I am ashamed . Year on year I received and didn't pay the water bills - during these times I suffered a breakdown, on low income and couldn't pay the full amounts owing. We were in receipt of IS for a while and direct payments were made - only the water co said they didn't receive them and we didn't pursue this matter - can't remember why, life took over. My husband was bread winner I was at home with children - I then was student and buried head in sand - these parts I just wanted to explain as I know it should have been sorted out all those years ago and I am not suggesting that this is my court defence. During my breakdown another family member took control of family finances - some payments were made. I recovered, my marriage broke down, I went back to work - small income still having 3 children under 18 and 1 at uni at home with me. Still I did not get back on track with bills I am ashamed to say. Back to recent events - about a year ago I received a letter from this particular water co (with a different name) demanding full payment of extremely large balance within 7 days. I had not heard from them in relation to it for at least 10 months prior (I know, no excuse - just wanted to point it out). This was addressed to myself and my husband. I replied stating that Mr does not live at the address and requested a breakdown of the amounts. They duly obliged - although it wasn't a full breakdown - it just stated b/f balance and totalled - incorrectly. I went through all my paperwork and none of it added ujp to the amounts they stated - different dates, payments etc.They stated that Mr had to remain on debt. They said that I had 7 days to pay debt or court action. Court papers quickly followed - mine and husband's name. I returned court envelope addressed to my husband, they said it would be classed as undelivered/not served. I sent in defence along lines of not agreeing with large amount o/s, requesting hearing and Mr to be removed. I heard nothing, however I did receive some letters addressed to my husband - I haven't opened them. I have still got these letters - my husband became ill in June of last year and passed away just before Christmas. Consequently I did not pass any letters on to him, and my life was taken up with caring for him and our children. I received a letter from water co approx 3 weeks ago they said I had 7 days to pay money or further court action. I replied stating that I hadn't heard from them since my defence. They have replied stating that CCJ issued by default because I didn't attend the hearing that was scheduled for December. I would have attended the hearing had I been aware of the hearing, I desperately want this sorted out, but begrudge the inconsistencies. I went to the court office last week - informed her that I had received no papers - clearly she didn't believe me. I explained about the letters, she looked on computer and said the hearing was scheduled for October for both myself and my husband. She gave me a set aside thing, and I have done no more - yes I owe a lot of money and I want to pay it. But I am upset that CCJ has been awarded as I would have appeared at hearing and any amount that Judge said I owed I would have paid immediately. Now I have a CCJ that will stay on file for 6 years. Thank you for reading so far and thanks for any advice.

Hello all I wonder if anybody could help me please? The essence of my problem is - long outstanding disputed-in-part debt with water company. Court claim issued, I put in a defence, heard nothing, have now discovered CCJ awarded by default. How is the best way to approach it? There are more details - and will post if anybody kind enough to offer assistance. Thank you very much

Thank you for the above I really appreciate it, however having read through it all this appears to be in respect of a claimant and I am the defendant...do I still follow the guidelines? I just don't want to put the wrong things down - all these legal terms etc I know maybe I am being a bit dense here but thanks in advance:???:

I know this is a bit of a long shot but please if anybody can help me as I am tearing my hair out. I have been sent an allocation questionnaire as I put in a defence for a CCJ claim from water company as I disagree with amount claimed. The water company had been taken over by different company and guess they wanted to clear outstanding debts. Defended in May - heard nothing and now received this. Is this fair? (All right I know..a debt is a debt is a debt) :???:I have no idea what to state on this allocation questionnaire, I have tried to glean informaton from Internet without bothering anyone but cannot find info specific to utilities only regarding credit agreements that don't apply here. If anybody is able to help I can post more details but am at wits end tonight worrying Thank you

Thanks to both, however I don't know who landowner is...the site is probably leased, because it is at the rear of a building used by 3 different organisations. Each lot of bays has differing notices - the bay I went in had no notice. Shall i send a copy to the security firm for them to pass on? There are no notces on the entrance, in fact it is all vague!

Here I am with another one of my problems...following your great help on another thread I wonder if there is anybody who could help please? Briefly - I was clamped in a car park near my workplace - I paid a release fee of £150. The bay had nothing surrounding it, neither did the adjacent bay (no signs), the bays are distributed anongst shops and in my opinion do not have correct (contractual?) signage, the guy said that because I wasn't displaying a permit and all the other bays had notices on they had clamped the car. At the time I had no alternative but to pay, I had wasted an hour waiting etc etc. I immediately wrote to the company but have received nothing back. I know I need to write again, but would welcome any advice to resolve this as I want them to know that I won't give up. Thanks

No - I haven't thought about costs! And it's well done to you all on this great forum - by now I'd probably have a CCJ against me, or at least have a court date because I would have just left it. Once again, thank you By the way - I'll probably be back for advice as I have other problems - but for now I'll revel in the glory of VICTORY!!!

Hello all - I would just like to see a huge thank you to those who helped me - I have today received a NOTICE OF DISCONTINUANCE!!!!! without your help it would never have been so easy.... :D:D:D Apologies if this has been posted in the wrong place - but just had to tell you

Hi P, tried to say thanks but it wouldn't let me! Cheers will do that....then wait I guess...last date is 21st May for submitting defence

So do I still go ahead and send the letter as advised by BB?

Paul, here we are then Claimant: Phoenix Recoveries Address for sending docs: Bryan Carter & Co (I can add further details of the above if required) Issued from: Northampton CC Particulars of Claim: THE CLAIMANT CLAIMS 1XX.X0, SUCH SUM BEING PART OF A DEBT DUE UNDER AN AGREEMENT NUMBER XXXXXXX (''THE AGREEMENT'') WHEREBY THE DEFENDANT AGREED TO PAY THE CLAIMANT 7XX.X4 (''THE DEBT''). FOR THE AVOIDANCE OF DOUBT IN MAKING THIS CLAIM FOR A PART OF THE DEBT THE CLAIMANT DOES NOT WAIVE ANY RIGHTS AS TO THE BALANCE OF THE DEBT, WHICH THE DEFENDANT CONTINUES TO OWE TO THE CLAIMANT UNDER THE AGREEMENT. THE CLAIMANT RESERVES THE RIGHT TO MAKE FURTHER CLAIM FOR SUCH SUMS OF THE DEBT AS REMAIN OUTSTANDING. I think that may sound familiar to some?!

Hi Paul, Thanks, yes you are right, that's why I posted on here asking for help as I had read many similar cases and seen great responses...I will add particulars of claim in a few minutes

Hi BeauBrummie Help! I am editing the CPR thing and am unsure what to write in the bit where it states 'account formerly held with *********.(AMEND TO THE COMPANY NAME)' as I don't know who the originator was. :confused:Can anybody help please?

Oh thank you so much, that's great. I will edit and send:)

Thank you BeauBrummie. I will have a root around later - work at moment and almost forgot to send acknowledegemnt of service in time

Hello all, I introduced myself a couple of weeks ago, I have a few problems that I would appreciate some help with please. The most important one relates to Claimant: Phoenix Recoveries, with B Carter address for submission of documents. I have no recollection of this debt and what it relates to, and having looked at my credit report it states a default was registered on 18/03/02 - my name has been spelt incorrectly so I guess it's the same one. This was during a period when many things were going wrong, but I have no other recollection - possibly a catalogue? I cannot recall having received any correspondence in relation to this for ages, however I did receive a letter with notice of intent to claim from B Carter about a week after I received the claim form! The claim form was issued on 18/04/08, and today I have submitted an acknowledegement of service electronically with an intent to defend all of the claim. I think I have got the acknowledegment in just in time, which allows me another 14 days. This is where I would appreciate any help please - I have looked through some similar cases and seen brilliant advice. Could I upload further info received in case anyone could help please? Thanks in advance

I have read these forums with interest for sometime now. I thought it was about time I said hello, also because I think I may need some advice soon. So I maybe posting in the debt advice forums over two different things. It's been so informative reading lots of posts, and enlightening to discover that I am not alone! :o