Will try to make this a short as poss..! Realised i was in trouble with to much credit last year, got involved with cccs, 1 ccj and payment plan set up. Have main mortgage and second, had 2 months arreas on both and had them added over 24 months, that was july last year. Had no probs till start of this year as being self employed work was short. Position now. Mortgage company have stopped agreement as i owe now 2 months(feb and march) plus the outstanding arreas from last year. I found work and started last week and look to be working for quite a while, I rang mortgage up and proposed a payment plan to pay off £590 per week so 2 weeks at 590 the 2 weeks at 376 the 2 weeks at 240. by this time i would have paid arreas but the next payments will be due and as long as im in work i thought i could pay them. Problem is im not earning quite what i expected and rang them last night to say. They say account is on hold till today, because i was supposed to make first payment and its due to be passed to solicitors after, if no payment is recieved. I said the amount i wanted to pay that was £400 per week till its all paid up and they want me to ring in today with I&E ! Obviously they will take all other bills into account and see that if i pay those as well i would not be able to pay 400 a week but im robbing peter to pay paul and can sort that out end next month/ start of may. Im on a self cert mortgage and they dont no my circumstances eg. I have 1 ccj against me from last year im worried if they find out i will be classed as bad news Any ideas or suggestions would be much appreiciated Eggy12 Sorry forgot the most important thing, I was supposed to be paid today but a mix up occured and i wont be paid till thursday now for this week

hi again bb when i got a claim form through i was bricking it and got advised- through all good intentions from another site how to admit to the claim.. Looking back now i realise how things could have been a little different because i must have about £400 in charges on my ccj but too late now ! Anyway back to you. Get that letter mentioned by curlyben sent off because that way you will get all the info you need to see if they hold all the correct info to hold up in court.. If they do hold everything in the correct way then you can arrange payments with them but as someone said on here you would not buy a house if all the paperwork was not there/in order. Keep reading posts on here till you get a grasp of things.. I got a headache for two days but my god was it worth it. Have to go work 2morrow so wont be around till night time. As i said your in safe hands here.. Eggy12

this should help out its right down at the bottom, photbucket seems the best option http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Hi BB they have come up but wont enlarge eggy there is something on here explaining how to do it, ive never done it so cannot tell you but will go hunt it down

Hi Bernie got your pm and it is me. If you put up as much detail as possible and obviously dont put any account numbers up or details of who you are then the wonderful people here can get the full picture and be able to advise whats the best route to take, things like was this debt brought from original creditor (OC) or has it been passed on from another debt collection agency (dca) and if so was the OC or DCA sent the 'prove it letter' I see someone wants to see what the perticulars of claim (POC) are for, If you can type up word for word what they are claiming for (without account numbers or your name) then they can get stuck in and help you out. Was this a loan or credit card As much info as possible really Have a look at some other threads and you will see just what info is needed and why they need it. When i mentioned on the other forum about a letter that could be sent if you dispute the claim someone will post that up but as i say the people here need as much info as you no about it all before you can advance forward head held high and believe me most if not all the people on here will do all they can to help you The more info you give them the more armed you shall become, you have plenty of time yet to reply to the claim so dont worry too much Eggy12(dmq) just reread everything and noticed you have put what is for Sorry !

Hi womble, NR got a ccj against me but i did not know the ins and outs of things till it was to late. SHORT STORY Lots of debt took out unsecured loan with NR (20k,£300a month) got into difficulty,got defaulted and papers served. Got in touch with cccs and they done I&E and suggested i offer them £62 a month. Unfortunatly I just admitted i owed them what was said on poc, they rejected my offer and it was set at the oridginal rate of 300 a month. Went for a redetermination and got it transferred to my local court. I was expecting just to walk in and show the judge my I&E and end of matter but when i got there they had a rep who told me they want a charging order. We go before judge in a room, just the three of us, and i get my say. I told the judge about the difficulty's i had been experiencing and explained how i had got in touch with cccs and they advised me about my finances and this is all i could offer NR. NR rep says its going to take me 20 years to pay off this amount and anything could happen in that time and asked for a charging order. Judge asked me if i would agree to this and i said no and before i could say 'because it would be unfair to my other creditors' the judge said it for me, then explained that i have to keep up the repayments i have asked for and return in 9 months time for an update. The judge over explained that if i missed just one of the payments then she would have no chioce but to give the go ahead for NR to get a charging order. NR did try and use someone vs someone trial about how they would be able to get first bite of the cake or something but i had a very nice lady judge and she ruled in my favour. I thanked the judge a left not holding the door open for NR's rep who had her hands full and let the door shut perfectly in her face. I know you are defending so it will be different but just wanted to let you know how it went for me regards the charging order. Wishing you all the best Eggy12

How much was left on the loan when you were made bankrupt

Hi ananya Im self employed and have to pay off mortgage arreas over the next 6 weeks £1750 all told, then if i am still in work i can concerntrate on paying the £1292 i owe them plus the interest thats going to be added each month, oh and try to suvive as well oh and pay DMP oh the list goes on

Hi it's the tax i owe them after self assesment was completed

Hi all I know after the 31st jan a £100 fine is added and 5% per month after that but does anyone know how long it takes them to get rather unhappy with an unpaid debt, I wont be able to start paying it off for another couple of months ??

I set up DMP in june mbna agreed and got first payment in july sold debt on in december, hope that helps

Well it goes to show that mbna still hold the account abiet passed to someone else in there circle..Just recieved an 'important changes to your virgin c/card' letter with my account number on it, so its not been sold on. Did not get one for other c/card mbna properly sold on to link CCA'd CBS beggining Feb regards arrow and have not heard anything !

I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number xxxxx. 2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. DO NOT SIGN 'PRINT' Send at least recorded delivery and use postal order not cheque

I was advised by Docman to hold fire on another thread and wait till cbs wrote and then cca them ! Ive now recieved first contact from cbs, standard first letter-not paid arreas, agreement now terminated,treat this letter as formal notification that a default will be registered, 7 days to reply etc etc. As i said in first post ive had no notification of assignment from mbna so is now the time to cca cbs ? Would it matter if i sent arrow a cca first class with proof of posting and also send Cbs via recorded? would that be doing it wrong ??

Hi there thanks for that its been noted.. I was just worried as ive been reading this thread http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/123101-arrow-global.html?highlight=arrow+global

HI, Arrow brought debt and cbs are in charge of collections, as some of you are aware arrow's registered office is a rent by the hour place and wont have someone to sign for the cca, so do i cca cbs? mbna also did not send me a letter saying the debt had been passed on ! I had 2 debts with mbna and did have 1 letter saying debt sold on to link and have cca'd them but nothing about the one to arrow. Feeling stuck on what move to make with arrow and would be gratefull on advice from yourselves eggy12

MBNA did write telling that they had sold a debt to LINK and have got letter from LINK but i have two debts with MBNA -1 as said sold to link so this one seems to still be in the MBNA circle with arrow. MBNA told me that they sold them both(in email) but seems not the case as ive not recieved a letter from MBNA saying this one has been sold only the one to link.. I thought they have to inform me when they sell

Hi ive just recieved the letter from arrow also so wont post my own thread and will follow this one.. anything i can find i will post here if thats ok My letter is this ARROW global, llc A Sallie Mae company Dear Eggy12 Re; acc;*********** We write to inform you that MBNA Europe Bank Limited has now assigned to Arrow Global,LLC the outstanding balance under the above referenced MBNA credit card, effective ** December 2007. Under the terms of the sale, and as defined in the data Protection Act 1998, Arrow Global Limited is now the data controller of your personal data contained in the records of this account. You have the right to update your personal data.Should you wish to update your personal data, please contact Arrow Global Limited at 15 Old Bailey, London EC4M 7EF. Credit & Business Services has been appointed by ARROW gLOBAL, LLC to manage your account. All contact regarding your account should now be directed to Credit & Business Services Ltd. The total outstanding balance is £***** You should contact Credit & Business Ltd To arrange an immediate payment on your accoun at least in line with the requirement of the enclosed Default Notice at: Credit & Business Services Ltd address given in St Albans Yours sincerely Arrow Global, LLC What strike me is that Im being Defaulted for arreas not paid oridginaly to mbna who to the best of my knowledge have already defaulted me for that already So I take it there new address being Arrow Global Limited 15 Old Bailey, London EC4M 7EF is where we send the CCA then ?? Eggy12

Hi all I owe the taxman 1192 to be paid by 31st jan but im out of work at the mo.Self employed and am waiting for a contract to start in the next couple of weeks.. Where do i stand with tax man and would they be helpfull eg let me pay by instalments. Im currently on DMP Thanks Eggy12

Hi all Ive managed to get a re determination but the problem is the hearing is being held a long way from where i live. Ive been told i need to send a formal request to have it transferred to my local court. Any ideas as to how i should word this letter ? The hearing is in 2 weeks so all replys would be welcome Thanks for your time Eggy12

Ok thanks for that, I did not no if it automatically got transferred or i had to do it myself

Hi all. Got into trouble with N/rock and they took me to court. a hearing took place without me there and no knowledge of it so i appled for re-determination and recievd a notice of hearing. It states the time of the hearing etc. and that i should attend. In my letter i stated that i could have the case transfered to my local court, now at the bottom of the notice of hearing letter i have recieved it says Please note: this case may be released to another Judge,possibly at a different Court. My question is will it be or have i got to follow it through and apply for it to be transferred ?? Thanks in advance for any replies

Ok thanks for your input,greatly recieved:)

I was originally paying 300 a month to n/rock,defaulted and all that,sent admission with offer of 62 a month as recommended from cccs.Got letter from court Date stamped on Judgement for claiment (after determination) 14th june letter arrived 15th june Before the proper officer sitting at blah blah Upon neither party attending. To the defendant The claiment has objected to the rate of payment you offered. The court has therefore decided the rate which you must pay.You must pay £***** for debt and costs. You must pay the claiment a total of..........£***** by instalments of £300 a month the first payment to reach the claiment by 14th june. no other form sent no

Hi thanks for that, Ive rang the cccs and they say i dont need that form and they are sending a template letter to be sent recorded asking for a re determination. Im a bit confused here,do i do what cccs say or take the n245 route,they say im to send with it my I&E they have done and all should be ok