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jan78worsfold

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Everything posted by jan78worsfold

  1. jan78worsfold
    thanks
  2. jan78worsfold
    Is this far too long? 1. On 24 October 2014 ARROW GLOBAL LIMITED commenced proceedings against the defendant for £9320.78 plus interest, a debt allegedly incurred under a credit agreement between the Defendant and Citifinancial Europe. 2. However, the Claimant’s statement of case fails to give adequate information to enable me to properly assess my position with regards to the claim. 3. This claim appears to be for a Loanagreement regulated under the Consumer Credit Act 1974. 4. Except where otherwise mention
  3. jan78worsfold
    Yes it certainly is, as I would not pay an odd sum like that. I've had a copy of the signed CCA but no terms and conditions. No assignment from either Brittanica Recoveries or Arrow. Surely, it can't be legal for them to be suing me in another entity name?
  4. jan78worsfold
    Hi, I'm not sure about doing that as looking through some paperwork that Arrow sent, it's all their paperwork and information and it says last payment received on 11/2/2009 for an amount of £13.24. Whether this is accurate or not I don't know as it isn't any kind of statement, just a date on their file. It seems a very strange amount for payment that I would make in any event. I don't want to run the risk of submitting a defence on the basis of statute barred and then I find it isn't. What would happen if I submitted a defence on being statue barred an
  5. jan78worsfold
    Hi, yes the Particulars of Claim state nothing other than "the Claimant's claim is for the sum of £9320.78 being monies due from the Defendant to the Claimant under a regulated agreement between the Defendant and Citifinancial Europe plc and assigned to the Claimant. Notice of the assignment has been provided to the Defendant. The Defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served pursuant to the CCA 1974. AND the claimant claims the sum of GBP9320.78 TOGETHER
  6. jan78worsfold
    Ok, I understand re SB. There is no account reference anywhere in the claim. Its at work and will double check tomorrow
  7. jan78worsfold
    I wished I could find my old bank statements from the last statement I had from Citi was showing a payment no late 2006 before I lodged a claim about the PPI. I'm worried if I submit a SB defence, if and when it goes to court they can show it wasn't statute barred and as I'm a litigant in person it would be harder for me to defend this as I don't have the last statement. if I lodge a defence no NOA could I ask to re-amend defence and then change to statute barred. Also do these debt purchasing companies issued summons without the acc
  8. jan78worsfold
    I have looked into the limitation act and pinsent masons definition of statute barred Contract l Within six years of the date of breach l The cause of action occurs as soon as the contract is breached. By contrast, in tort, no cause of action arises until all elements of duty, breach and damage are present l Unlike tort, the limitation period cannot be extended on latent damage grounds. I haven't made any payments to citi since 2007. I know from my credit record that CitiFinancial defaulted me in August 2008 and Arrow on the same date as Citi for the same debt about 3 years a
  9. jan78worsfold
    Would I have a defence for statue barred. I have not made any payments to this Citifinancial loan since 2007? thanks
  10. jan78worsfold
    Yes, and according to CitiFinancial assigned to Britannica recoveries but have never received any notice of assignments. No t&cs only that small piece of key information and data protection information. Is anyone able to help with my defence. Thank you
  11. jan78worsfold
    Also, the loan agreement number is not on the POC
  12. jan78worsfold
    Tried again and have managed to upload. Thanks for your help
  13. jan78worsfold
    I notice that is says "I understand that I am purchasing the product(s) ticked above on the credit provided by you and that the terms relating to the credit for the products can be found in clauses 1(a) and 5(a) in this agreement. I have never had, nor have they provided any terms and conditions other than the key information on the CCA.
  14. jan78worsfold
    Hi, shall I upload the agreement. To be honest, I am not sure if they have included all the T&C's. There is a section of key information after the breakdown and at the bottom it say's important - read this carefully to find out about your rights, (1) - (3) and then on the next page says if you want to know more about your rights under the Act, contact local trading standards department. The rest is Data protection, and the other pages are for the insurance they sold me and notes with that too. I have never had any separate terms, just that s
  15. jan78worsfold
    Hi, I received a copy of the CCA agreement yesterday. I did ask for loan A, B and C as they were ordered by the Ombudsman to re-write each loan as every time a balance was carried forward , it was incorrect in that the redemption included the PPI. I only received the current loan agreement from Arrow. No statements, no default notices and no assignments. From a letter from Citifinancial in 2008 they say the account was assigned to Britannica Recoveries S.a.r.l in Luxembourg and from the Arrow letter received yesterday Britannica Recoveries in Luxembourg hav
  16. jan78worsfold
    I have sent my CCA request to Arrow's registered address and having checked the royal mail website, no-one has signed for it as I assume this is just their formal address but that's the address on the summons so that's the one I will use. Looking back on my paperwork the last payments date back to late 2007
  17. jan78worsfold
    Do I need to send the CCA section 77 request to Arrow Global Limited Bedford Row address, which is the address on the summons?
  18. jan78worsfold
    Ok, thanks. I will get those off Monday. Last payment I believe in 2008
  19. jan78worsfold
    Any advice on drafting defence? thank you
  20. jan78worsfold
    Thank you. My replies are in blue Name of the Claimant ? Arrow Global Limited R/O,.20-22 Bedford Row, London WC1R 4JS Date of issue –24/10/2014 What is the claim for – the reason they have issued the claim: The Claimant’s claim is for the sum of £9320.78 being monies due from the Defendant to the Claim under a regulated agreement between the Defendant and Citifinancial Europe plc and assigned to the Claimant. Notice of the Assignment has been provided to the Defendant. The Defendant has failed to make payment in accordance with the te
  21. jan78worsfold
    Hi yes, claim form. I went online yesterday to lodge acknowledgment of service and notice of intend to full claim. Thank you
  22. jan78worsfold
    Hi, I have just been issued a claimform from Arrow Global Limited by their solicitors Blake Lapthorn. I have issued the acknowledgement of service and would very much appreciate some help and advice and how to defend this. Sorry history is quite long and apologise for this. In a nutshell, 1.Approached citifinancial in October 2005 for a loan of £10,000. Due to my credit history they were unable to offer £4,000 (or 4,000: cannot recall as I don’t have the paperwork and Citi have failed to provide this. It was at an extremely high rate and they sold me
  23. jan78worsfold
    Is this the same Paul Lewis who was advocating and shouting from the rooftops about the new increased student fees to £9,000 were great and do not look at them as loans but a tax. I cannot believe that man saying student loans were great. My son is going off to uni this year and I can't tell you how worried I am and I feel our students have been sold down the river for a quick buck,. I wish you all luck with this new debt collector and string them out
  24. jan78worsfold
    Thanks for the update
  25. jan78worsfold
    There is something very funny going on, some directors having been directors of many other companies, now dissolved and so many name changes. They are trying to avoid something and why so much income and negative profit.

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