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pilch23

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  1. Further Letter of Claim received this morning dated 27th May. I have advised SB as last payment was 14th June 2014. They have used CCA payment as last payment date which was 4th June 2016. As above thread I have previously responded to earlier LOC that it is SB. So even by their reckoning SB this Saturday in 5 days time! I have 28 days to respond to LOC. What is my next course of action please?
  2. Update… Responded as advised to Letter of Claim. Drydens responded by letter dated 07/04 stating that they were referring to their client and it would be put on hold until further instruction. Letter received 19/04 but dated 08/04 stating “unfortunately our client has been unable to provide statements of the account’ followed by however, you owe the money and last payment was 4th June 2016 (£1 paid to Moorcroft for CCA) so not stature barred…please contact us to make payment. Do I just simply ignore? and see their next course of action? My actual last payment 14th June 2014 so well stature barred but they are still claiming not until 4th June 2022.
  3. Thank you. If they do issue court papers, am I correct my defence will be SB as last payment June 2014 and provide copy of CCA letter to Moorcroft stating no admission and PO not be used towards payment?
  4. Letter of Claim received this morning! Stapling a copy of SB letter to front page and posting back.
  5. Thank you Payment dates confirmed, Arrow have allocated the £1 paid by postal order on 4th June 2016 which was paid to Moorcroft Debt Recovery for the CCA request. Previous payment was £5 paid on 14th June 2014
  6. Thanks Andy Should I respond at all to Drysdenfairfax or just await their next move?
  7. 34 minutes onto MBNA to be advised my account is closed with them, they no longer have any information on my account due to age and would have been passed to a collection agency. Do I speak with Arrow Global to find out last payment date? They are listed as the client by Drysdenfairfax. My CCA was sent to Moorcroft Debt Recovery who in 2016 was chasing on behalf of Arrow Global. Appreciate SB in June either way but my concern would be Drysdenfairfax issue Court Proceedings prior to this date?
  8. Hi Andy In the paperwork I have there is a big gap between 2007 and 2016 so not 100% sure when I stopped paying, but certainly many years before 2016, just not 100% if full 6 years or I would have issued SB rather than CCA in 2016 i'm guessing. Can I request a statement of my account and payments from Drydensfairfax? Or just as above and request they prove otherwise?
  9. Hi forum, 2007 MBNA credit card debt purchased by Arrow Global Guernsey Ltd, no payments ever made. Moorcroft Group Plc chasing debt on behalf of Arrow...no payment ever made but CCA request made 1st June 2016 with £1 postal order attached. No response ever received. No further correspondence until 3rd February 2022 from Drydensfairfax solicitors advising they are representing Arrow to recover debt. Statute Barred letter sent 8th February. Response from Drydensfairfax received 14th February, stating last payment made on 4th June 2016 so not SB until 4th June 2022. The only way a payment could be registered is if they used the postal order against the account, which was stated in the CCA letter the funds could not be used for anything else. Next course of action please?
  10. Mortimer Clarke have written to me, threatening attachment of earnings against this old CCJ... CCJ secured in August 2007 for £5121 debt by claimant HFC Bank, payment originally to Restons and now to Mortimer Clarke for £5 per month. Registered to an address that I left 10 years ago and moved twice since. Paid every month without default. I stopped paying in January 2021
  11. Ok but previous advice was that as Mortimer Clarke are named claimant on the CCJ and it’s not being changed then I should ignore and not pay. Should I respond with a letter asking for full details and who the claimant is?
  12. Correct. Stopping paying in January 2021 following advice on here.
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