Hi Docman Can you advise me. I have accessed my experian credit report and the ccj showing for this has now been removed, but the details of account have now been removed from the public records section and are now listed in the account details on my report. It is showing as a default with a balance outstanding of £18,085 with the company name Arrow Global Ltd. How can I get this removed? Thanks Blondie

Cheers Shadow and Andy

Hi Docman Well my hearing was this morning, the court were running half an hour late so the waiting seemed like forever. However, there was a 'no show' again from the claimants. I went into the court room and it was the judge who had dismissed my previous applicated to set judgment aside. He stated that the claimants had sent no correspondence whatsoever, I gave my speech - and then I got a lecture from the judge as to why i had not made this application earlier on in the case. Anyway, the judge made some notes and then announced that the case is now closed, he would strike out the case, set judgment aside and vacate the charging order, and the order would state that any evidence showing pending charging order details on my property are to be removed by the claimants within 14 days. He then went on to say that the claimants may appeal, but they would not get very far, as they failed to attend court today and they have had more than ample time to submit their evidence. I previously highlighted to you that I have been paying £100 per month to the claimant - the judge also said I should keep paying them the £100 each month or any amout I could afford, as they may try and start a new claim and I will then be able to show in my defence that I have been maintaining some form of payment!! What are your thoughts on this? Anyway I'm still pinching myself - I can't thank you enough for your help and advice, I wouldn't have got the result I did today without that witness statement. I have told several people about the consumer forums - I will also be making a donation to show my support to this site. I will keep you informed of any updates. Thanks again Blondie

Thanks Docman sorry for the delay in responding - had a couple of probs with my laptop! I will update you tomorrow as to how it went Blondie

Ok, thanks for your advice Docman, I will keep you posted. Blondie

Ok What about the CPR 31.14 you mentioned in a previous post? Blondie

Hi Docman Got the date through from the court (on saturday) it is 13th July, it says: Notice of hearing of Application The hearing of the defendant's application for Vacate the Charging Order, Set aside the order for summary judgment and strick out the claimants statement of case will take place at XXXX at XXXXXXXXXCounty Court. Is it possible for the claimant to change their claim? Blondie

Hi Docman/Shadow I do feel much better about it all now. Docman, I can't thank you enough for that fabulous witness statement, and all the work you have put in,hopefully it will do the trick. I will post up details of what the court send out for next hearing, should get them early next week. Thanks again for your comments and fantastic support. A large Jack Daniels or two is on the agenda tonight I think. Have a good weekend Blondie

Hi Docman/Shadow Been in court today and I think I have positive news to report. Firstly there was a 'no show' from the claimants side (which the judge said would go against them), however cope's had faxed a letter to court yesterday which I was given by the judge to read at the beginning of the hearing. Basically the letter was outlining that Cope's/arrow stand by their final desicion not to include any interest on the vary amount, the reason they qouted was that I was only paying approx £90 per month repayments (i was on an arranged payment plan)when the monthly payments should have been £209 per month and that interest was still being calculated on the toal amount at 19.95%????????????? They requested that the judge do apply the final charging order forthwith. Anyway the judge was really nice and she explained that she could not push for the interest to be added onto the vary amount (£3161) as the claimant had complied with the order and agreed to reduce the total amount by the £3161 which was what was stated in the original order. She also believed that the previous judge (febuary hearing) did say to include any interest although this was not stated on the order. The judge then went on to ask me why I had not taken any legal advice at the off set, I explained that I was not in a financial position to do so. I explained I had represented myself from the beginning, and she stated that I done this excellently and most admiarably! I then went on to explain the blackmailing tactics Cope's had applied in September last year threating that if I requested to set judgment aside and that it was granted, they would persue me again and there would be no opportunity for negotiating on the total amount owed or payment by installments and that they would force the sale of my property. I also confirmed to the judge that I felt that I did not owe the Claimant any money and did not know who the claimant was, and also how I did not get the opportunity to defend myself properly. The judge listened without interuption - so I took a deep breath and said to her that after further investigation of the claim/the court file etc, that after the hearing I was submitting to the court office a further application to request that they vacate the charging order order, request for summary judgment to be set aside and to strike out the claimants state of case. The judge asked if I had all the documents with me, I said yes and as I reached in my folder to show her, she explained that I must not show her or go into any further detail as she may be the judge sitting at a future hearing. The judge said that what she was going to do was, to have a further hearing and that the interim order still apply to the next hearing and also state that I was making a fresh application. She said it was likely that she would be the judge at the next hearing and request for the court to hear my application at the same hearing. Finally the judge said let's not take up anymore time on the issues today and confirmed that I understood what had been discussed. I had been so nervous throughout the hearing and my hands were shaking so much, i apologised to the judge for being so nervous - she there was absolutely no reason for me to be worried!! I then left the hearing and went and filed my application!!!! Do you think this sounds positive? Blondie

Thanks Shadow

Thanks Docman Do i need to take out Final/Interim on the Witness Statement? I think I have everything now, I will let you know tomorrow how i get on. The hearing is first thing. Thanks again for your help Blondie

Hi Caggers Can anyone give me any advice, this is the link to my thread http://www.consumeractiongroup.co.uk/forum/legal-issues/203669-ccj-copes-solicitors-arrow.html the agreements i have already attached a couple of posts up Thanks

Hi Docman Me again! Would you just mind double checking the wording in witness statement on point 17 is this correct? On the N244, is this ok to put in as answer to Q3: I am asking the Court to (a) vacate the [Final]/[interim] Charging Order (b) set aside the order fror Summary Judgment; and (c ) strike out the Claimant’s Statement of Case. My reason for this is I do not know who Arrow Global Receivables Limited are, and I have not at any time had any dealings with Arrow Global Recivables Limited or entered into any form of agreement with Arrow Global Receivables Management Limited

Hi Docman Sorry about this, could you explain in more detail Q.3 on the N244 form, I'm not quite getting what my answer should be hear and what I should copy accross. Thanks Blondie

Oh my god! - Docman you are an absolute star, this defence is fantastic with an incredible finale!!, I am going to get to work on this right away if I have any questions I'll give you a shout a little later. Thankyou Thankyou Thankyou! :) Blondie

sorry Docman A couple more questions about N244 Q3, what order are you asking the court to make and why? what reason should i put here? Q4 have you attached the draft of the order you are apply for? Yes or No Q5 how do you want this application to be dealt with at a hearing without a hearing at a telephone hearing Blondie

Hi Docman Just completing my N244, which box should I tick in Q.10 "What information will you be relying on, in support of your application? 1. the attached witness statement 2. the statement of case 3. the evidence set out in the box below Is it No.3 and in the box put please see statement attached? Sorry to sound stupid!!!! Blondie

Hi Docman I have attached a word doc which shows companies house details for Arrow global, is this ok? Also with my court case on Friday should I state that I am going to file again a request to set judgment aside. Just a bit unsure as to what I should be saying at the hearing on Friday, I understand this is to follow up with regard to adding interest to missing payment to vary the judgement. What if the judge makes the descision to make this the final hearing and makes a decision to allocate the charging order? Blondie Arrow.doc

Thanks Docman Sounds interesting? I will get things sorted at my end Blondie

Hi Docmam/Shadow Hopefully these will be better to read Blondie New Compressed (zipped) Folder.zip

Hi Docman Been to the court today to get documents from file (no questions asked by court clerk, they gave me copies foc), I have attached a copy of my defence, general form of judgment/order, and letter cope's sent to my county court dates 31st July which gained them judgement by default. After seeing my defence it all came flooding back to me (as it was so long ago), that when I received the claim form I queried with Northampton as I did not know who arrow global where but when I quotd the claim reference number they said the number was not recognised, they advised me what to send back. Also, i was expecting something in depth from cope's with their letter dated 31st July - surprised to see how brief it was!! I would appreciate your thoughts and advice with this. Thanks Blondie

Blondie can you post the two CCA agreements up into this thread, I notice there are no cancellation rights on the agreement and I'm not sure if there is a significance. Post them here ->>Is My Agreement Enforceable - Useful Cheers S.

Thanks so much Docman. I have just telephoned the court and I am going in on Monday. The receptionist I spoke to did say that I should have all the documention they hold on file??? I also asked her which judge was assigned to my hearing next Friday (hoping it wasn't Mr Nasty as last time). Apparantly it is a new judge (female) the receptionist sais she was really nice. I waffled to her about my bad experience in the last hearing - the receptionist almost agreed with me!!!! and also pointed out that it was important for me to highlight anything I was not happy with to this 'nice' judge next Friday??? I will post up copies of what I get on Monday. Thanks again for your help Blondie

Hi Docman I have posted up all the documents I have for the case, did you get a chance to look at them Blondie