Sorry I do not have a scanner at home. The letter states " we act for arrow global ltd. Our client has instructed us to write to you concerning the sum of £1260.49 owed to it. We note that you made a CCA request to our client in 2013. Please confirm whether you made this request and if so forward us a copy of the same. If you do not have a copy confirm whether you wish to re-submit a CCA request. Unless we hear from you within 14 days of this letter, we are instructed to issue court proceedings without further notice. We hope that it is not necessary to issue proceedings and you make payment by return". When I paid I always paid by cheque and I am not even with that bank anymore so it would be hard for me to find out but I do know it is some years ago.

Whoops sorry - read it properly. " we are instructed to .."

I believe the original creditor was City Financial - it was a loan I used for a home improvement. I have not paid anything for about six years but don't have the actual date - so don't want to go down the statute barred route. I still worry though every time I get a letter saying within 14 days they will issue a court summons.

The debt is at least fifteen years old (from my youth!) Every now and again I get a letter from some DCA and I always send a CCA request - but never get anything back. It does not show on my credit file. What confuses me if they know I have sent a CCA request why do they want a copy or for me to re-submit.

Hello. B.Lapthorn have started chasing me for a alleged debit owed to their client (Arrow Global). Arrow Global were assigned this debit in 2013 - I sent Arrow Global a CCA request and received no response and did not chase them up. The latest letter from B.Lapthorn says "we note you made a CCA request in 2013. Please confirm whether you made this request and if so forward a copy of the same. If you do not have a copy please confirm whether you wish to re-submit a CCA request". I would appreciate some advice on how I respond. Many thanks.

The original debt was £535. But when it was sold to Marlins it was some time before we got a Notice of Assignment. Between it been sold and me getting notification I continued to pay the reduced payments to YB - but these were not showing on the amount. That has now been sorted although it took some time. I understand the £535 is owing but they have now added interest, solicitors fees and court fees - but they did not send me a payment card. I was not comfortable with giving Marlins my bank details. My concern is do I have to pay these added charges.

I got a copy of the agreement but I never got any statements.

PDF attached.

Hope this is suffice.

Yes it is a N1CPC claim form - from Mortimer Clarke Solicitors. The claimant is Marlin.

I wondered what had happened to my post and thought I had done something wrong. Thank you for explaining. I have not checked my credit file for some time. The letter says it is from the county court though do I need to fill it in - I am worried sick about someone calling at the door.

wanted to start a new thread, apologies.

It is 18/04/97. They have not sent any terms and conditions; does that make a difference. Also I am 99.9% sure I have not made any payments within the last six years.

Sorry, I have now attached response to my CCA request.

I have tried to attach it again.