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jackjones

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Everything posted by jackjones

  1. Thanks so much for all your support guys. Means a lot.
  2. Ok. I must admit don't like the tone of their letter! Hope they're bluffing. I'm certainly sending off for these first thing Monday am!
  3. Thanks for that. OK. I have the PDF attached. I doubt I've got the SAR, I've lost paperwork in the House move. 2017-05-27 23-19.pdf
  4. Ok I've travelled home and got the letter (rather than try to recount it from memory). This is it word for word. "We are instructed by our client Arrow Global limited to commence legal proceedings against you in the county court if you do not provide proposals for repayment of this debt by 6 June 2017" Then goes onto say "If we do not receive clear proposals to repay this debt by 6 June 2017 we will commence legal proceedings against you and a claim form will be issued for the full outstanding balance. " Should I ignore and still send off the CCA? Thanks again.
  5. I did feel intimated. I was 9 stone heavier and living on my nerves. I wish I could turn back the clock grrr. Thank you so much for your advice. Thank god for this forum and all you kind people. Ok I'll do that. The new firm drysdale fairfax said on their letter that arrow will start legal action if I don't send them repayment proposals before 2nd June should I just ignore that and wait to see what comes from the CCA?.
  6. No I didn't send arrow a CCA request to arrow, I did to the one previous as you'll see in the past posts. I know that was really foolish now. I can't recall I feel really stupid'. After I stopped paying they actually turned up at my door one day I lived in a flat at the time, and a neighbour let them in and they were stood at my front my door. I think that's why I probsbly why I didn't stop know I can't turn the clock back now That's a real shame. What do you think I could do?
  7. Well I'd have to check my bank statements but I'm thinking it was about two years ago. That's a guess. When I'm back at my computer I'll know for sure.
  8. Hi Everyone. First off I want to say thank you for the help you guys give me, its been really helpful in the past. I've put my head in the sand again and its now fully out wanting to face this problem head on! PLEASE HELP! I've received letters recently saying the debt that was originally Debenhams > GE Money > Santander > Scotcall > Arrow has now being appointed to drysdenfairfax solicitors I still owe 9k. I lost my job 3 years ago, and i've become self employed, and only just started to get on my feet. I'll be really brutally honest, I stopped paying Scotch an
  9. Thank you very much for your advice. I will keep everyone posted when I start to make progress!
  10. Many thanks for that Brigadier. No I haven't received one. I'll be really honest here. When arrow got back to me and the pressure was off, I kind of just kept paying. And head back in the sand. I was really worried because somebody mailed me (a so called friend) saying about new leglislation came out last year these demands. I'm going to go about and reclaim the charges very soon, changes in my life mean I have to pull my finger out, or head out of the sand, rather.
  11. Thanks Brigadier. This debt is 9k, being recovered by Scotcall, via arrow. I've had repeated posts in the past on this thread saying dont pay etc, I don't own property, are these new powers to use if I stopped paying?
  12. Hello again everyone, its been since last year when Arrow took over this account, and i've been paying it. I'm worried about these Statutory Demands which came in last year. I'm not a home owner. Do i have a reason to worry?
  13. The thing is, Santander say they've sold the debt, to Arrow. And heard nothing from them as yet. Still waiting on the SRA from Santander. I have a photo of it if you need to, can I attach it doesn't seem so! The defaulted date says 28/10/2009
  14. dx Received my Credit Report at last. The debt shows on there, under Santander (not Arrow Global) - and the balance is wrong it says 12K but last statement from Santander says its about 10K, showing the payments scotcall have passed to them. Payment status says D D D D D D D, Default status, but I've been paying every month. Date account updated shows as 02/05/2013 Then under account history - It shows an entry for each month going backwards so May 2013, Apr 2013 etc with the same 12K current balance on each line going back to 2009. I know from my latest Santander
  15. hi dx, thanks for that Just waiting on my credit report from callcredit. I've never actually seen it before. I sent off for it the other day. I hate panic! I don't own a house or car, just rent.
  16. Sorry posted this on the wrong thread!! Apologies. I've out it on the right thread now "debenhams GE money" Thanks Hi quick update I was told by Santander in early May that the debt was being sold (see my earlier posts) to Arrow Global on 7th May. I was paying Scotcall online on time every month. Its now 16th May, I have heard nothing from Arrow Global or anybody, I held on making payment this month to Scotcall (since it has been sold) and thought I'd pay the new owners. In the meantime on good advice of this forum, I've sent Santander a Subject access requ
  17. Hi quick update I was told by Santander in early May that the debt was being sold (see my earlier posts) to Arrow Global on 7th May. I was paying Scotcall online on time every month. Its now 16th May, I have heard nothing from Arrow Global or anybody, I held on making payment this month to Scotcall (since it has been sold) and thought I'd pay the new owners. In the meantime on good advice of this forum, I've sent Santander a Subject Access request letter and asked CallCredit for a copy of my credit report. So I'm still waiting this long, wondering in my head what's ar
  18. Thank you so much. I'll keep you all updated.
  19. Thanks Ken. I will send off for one. But with the debt being transferred from Santander to Arrow Global, I'm thinking I should send the SAR off direct to Santander? Or the DCA Santander have been using? (Scotcall) Jason
  20. Hi Ken, Thanks for going through my thread, much appreciated. I'm very grateful for all the help you CAG'gers give. I hadn't noticed that actually. I know somebody pointed out the Default Notice wasn't valid but I started making payments after that. I don't recall signing an updated agreement! So, are you saying that my card is in fact a DUAL card and the CCA they provided was for the previous card, and isn't valid? I haven't asked for an SAR, just that CCA.
  21. Dx, thank you. I probably have been cash cowed blind! I've actually never looked at my credit file. Is it easy to obtain my credit report? can it be done online? I don't mind paying it off just not any more than I can reasonably afford. I just hope they'll let me keep paying it at or around my current rate. I mean I'm sure I could afford to pay more, but then i'd have no life whatsoever, and if it went to court I'd have to produce my incomings/outgoings and I fear I'd be bled dry! I have no problem accepting responsbility for my mistakes but its in my name and ex-wife just upp
  22. Hi dx, Do you mean they'll try to get me to repay more, or add interest? When the loan was with GE, going back to 2009, I'd posted on here actually, here's the past link for info http://www.consumeractiongroup.co.uk/forum/showthread.php?193268-GE-money-full-and-final-settlement-advice-please I'd sent a CCA request in 2009 under the kind advice of you, and i'd got a reply and some of your members had said it was enforceable. So unless they've lost the paperwork in 4 years, maybe this won't help. I'm just waiting on the letter from Arrow. Like Brigadier says I have been rep
  23. Thank you Brigadier. Much appreciated. I will try not to loose sleep! I will update when I get the letter from them.
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