Yes, it has a defence form. Basically I have never heard of Paragon and they are refusing to prove I owe them money. Thanks for help so far

Yes, I have copies of everything. Particulars of claim: Claim is for sum of 7744.62 in respect of monies owing by the defendant on a credit agreement held by the defendant with Paragon. under account number xxxxx upon which the defendant failed to maintain payments Default notice was served upon defendant and has not been complied with By virtue of sale agreement between Paragon and the claimant the claim vested in the claimant who has a genuine commercial interest. Defendant has been notified of the assignment letter

None, it is a N1CPC claim form and N9CPC response pack

Says send documents and payments to Fairfax It's blue and white

At top says Claim Form on right Bra.. County Court Claim No: xxxxx Date Signed with typed signature Fairfax Solicitors Ltd

Sorry, can't, scanner not working.

More than 2 years ago I had a lot of hassle with Arrow Global over a debt I deny. I sent them fee for CCA and SAR but they ignored me. Then I received letter saying the case was on hold until they provided documents. Didn't get them. Got letter 3 weeks ago from Fairfax Solcitors threatening court action. Wrote explaining dispute, they received it, got post office proof. Today I got Court Papers. I am not sure if this is proper court papers or copy of an application to court. What do I do, do I have to reply to Fairfax as instructed on paper? Help would be appreciated. Thanks

Still no CCA from this lot. I requested in August. Sent reminders. I sent a SAR in November plus a cheques for £10 and got no reply. It appears that they didn't cash the £10 cheque although I know they received it because they signed for the letter. I received a letter saying they will send CCA and can confirm no action will be taken until I have the relevant documents. I am still paying them as I am really worried about them registering a default with credit reference. This has been on my file but 'fell off' last year after the six years. What now? Can anyone advise please?

Still haven't heard anything from CBS transcom so I complained to trading standards. They don't want to know, they say that I don't have right to a copy of CCA because CBS now own a 'debt', they didn't negotiate the original debt. I was really annoyed because the guy told me to talk to Citizens Advice Bureau!!! I have stopped paying them. I have heard nothing except calls trying to get me to takeout a loan....which I didn't. Where do I go from here? I'm not happy with just waiting because they could come back in years to come chasing me. I've tried to get a reply from them by giving them 7 days. They have just ignored me. Can anyone suggest what I should do next, please. Shonk

Still haven't heard anything from CBS transcom so I complained to trading standards. They don't want to know, they say that I don't have right to a copy of CCA because CBS now own a 'debt', they didn't negotiate the original debt. I was really annoyed because the guy told me to talk to Citizens Advice Bureau!!! I have stopped paying them. I have heard nothing except calls trying to get me to takeout a loan....which I didn't. Where do I go from here? I'm not happy with just waiting because they could come back in years to come chasing me. I've tried to get a reply from them by giving them 7 days. They

Just had another call from Black & White who are a company linked to Arrow Global and CBS Transcom. They are trying to pressure me into taking a secured loan to clear my alleged debt. This is the 4th call from these people and 2 of them have been today after they received a letter from me yesterday stating that they are in default with CCA and I'm not paying until they produce it. Don't know whether to report to the to OFT etc now of wait the 7 days I allowed them to answer my letter.

Can someone please advise on the best move here? Thanks. Shonk

Stopped paying CBS Transcom. They are now 12+2+30+7 days into their search for my CCA agreement. Got a call from Arrow Global who claim to own the debt. A woman said she was calling to offer me a solution...a secued loan on my home. I told her this a/c is in dispute because I have been waiting 41 days for a CCA and that it is against OFT guidelines for her to call regarding payment. She asked what a CCA is. I told her that it wasn't my place to teach her the job. She then said there was nothing on the computer regarding CCA or a dispute but that she would see that it was updated. What should I do now? Any suggestions?

Just wondering if you have heard any more from CBS Transcom since we are bothbeing hounded by them? They are now 12+30+ 8 days finding a copy of the alleged CCA. Even had the cheek to call me and try to presure me into a secured loan to pay the balance off.

So I just stop payments and wait for them to make a move? I'm worried that they start hassling me again as soon as I stop payment.

Thanks CB. Do I need to notify them that I'm not paying them? Shonk

I've waited the 12+2+30 days and still had no reply from these people. I am still paying them. What next? Any suggestions? Thanks, Shonk

I understood that if you have requested CCA and waited 12+2+30 days and not recieved the info, then they have committed a criminal act and cannot charge you interest, or ask for payment until they provide the documents. Someone on here might have more knowledge on this, but that's the way I see it. Shonk

I'm in the same situation with CBS Transcom. They are ignoring me. I even tried to call them and was tols that my account was flagged and they weren't allowed to talk to me about it. They promised that a manager would contact me but nothing happened. I have since written to them and told them to contact me by letter as I won't speak to them on the phone. Two can play that game! If they aren't contacting you, just wait. Let them make the next move. That's what I would do, anyway.

Coming up to 30 days waiting for CCA from CBS Transcom, still nothing. Can someone please advise what to do next?

I'd like to add CBS Transcom, acting for Arrow Global. Non compliance with CCA, refusal to discuss or negotiate. Shonk

Hi Chalkitup, Where are you up to with CBS TRANSCOM? Any further developments? I have reached the : Send them CCA request and they ignore me stage! It's 3 weeks since I requested this. Wrote again. Intend now to send letter after 30days saying I'm not paying them any more. They are ignoring me completely. Just wondered if you have heard any more. Shonk

Hi Chalkitup, I'm doing things myself and I agree that once you have infoirmation and know your rights, these bully boys can't push you around anymore. It's a great feeling to be able to fight back instead of feeling forced to comply with them. Four weeks ago I was really having trouble with CBS Transcom and they were bullying me. They even asked if anyone was helping me. I didn't realise why they had asked and just said 'no', but now I know why! They were seeing how far they could push me! Shonk Not any more!!!! Anybody reading this and feeling bullied by these vultures should take heart from this. Learn as much as you can, ask questions and fight back.

The original default was 1999, and this alleged debt has been sold on three times. It could be that CBS Transcom have no paper work, so they won't we able to prove that it was not statute barred when they started chasing it. Apparently the onus is on them to prove that there has been payment, or written contact during the period from 1999 to February 2007 when they started chasing it. I am disputing it and asking them to supply documentation. If they can't prove contact, then it is already statute barred and they are breaking the law by chasing it. At least that's the way I understand it. Any comments or advice here?

I've just been advised by NDL to write a letter to CBS Transcom and tell them I believe this debt to be statute barred ( the onus is on CBS to prove otherwise. ) If they can't provide the CCA chances are they can't provide documentation for this old debt which goes back 8 years. Worth a try??????