Thanks Very much FS, i will search out a SAR request template and get it off tomorrow requesting what you have advised. There was also no PPI involved with this loan. Regards Pugz

Good afternoon all, would it please be possible for a little help with my current situation. In December 1995 i took out a loan with Universal Credit for £5000, who were then bought out by Paragon so the loan transfered to them.All payments were payed in full up to October 1998 when my business partner disappeared and left me financially on the floor.In Febuary 1999 i was declared bankrupt but as this loan was a personal loan in both myself and my wifes name they were able to pursue her for repayment. Unable to pay the full amount she (i) have payed £35 per month until November last year without fail.After all these years this has payed off the original loan amount including interest that would of been added. In December we recieved a statement from Transcom who are collecting the debt for Arrow Global to say that £6563 was still owed. Obviously not happy i decided to CCA request Transcom/Arrow in the hope they wouldnt be able to deliver.This was done with Arrow returning my postal order not accepting that they were the creditor but that were willing to assist in obtaining the required documentation,nothing arrived so an account in dispute letter was sent on 21/01/2011.Fast forward to this Saturday and CCA drops through the post along with statements of payments up to July 2007 only, when the amount owed shows as £7452, quite why they have only shown payments up to then im unsure.More baffling however are charges for home vists that didnt happen and a PAYMENT by cheque in August 2008 for £493 which certainly didnt happen. So advise please were to go from here, the original loan amount including interest has been repayed, this obviously i have no problem with, we are however now left with Arrow chasing £6022 ( not £6563 as stated earlier despite no payment being made) which is i can only assume interest and charges. Sorry for the long post, hopefully someone can offer some advise. Pugz

Polite bump as any advice on the above would be really helpful as i need to get my defence off. Many Thanks.

If Carter discontinues i will have pleasure in doing this: However he has still not responded to my CPR request and has until tomorrow to do so, if nothing arrives i will be sending my defence online to the court. Would somebody please be kind enough to say if this is acceptable to send please: IN THE Northampton County Court Case No: XXXXXXX BETWEEN: Capital One / Bryan Carter (Claimant) and xxxxxxxxxx (Defendant) I xxxxxxxxxxxxxxxxxxxxxx am the defendant in this case. 1. The Particulars of Claim issued by the Claimant, discloses no cause of action and are self evidently an abuse of process, in that they fail to deal with the basic rules of pleading in accordance with the CPR. 2. BC have failed to respond to CPR 31.14 letter dated xxxxxxxx, requiring disclosure of the documents that the Claimant seeks to rely on in court. 3. Further to that above the defendant is unable to plead effectively or at all. The defendant is embarrassed. I, xxxxxxxxxx, believe the above statement to be true and factual. DATED: SIGNED:

Hi, I hadnt thought to claim for cost's, the defence i was going to file from another thread did not mention them but i will have another look before sending it on Wednesday, i will also read up on your theads regarding BC. Thankyou all for taking the time to reply.

Thanks for that, i will give him until Wednesday then, i have until 20th April for my 28 days court time to be up for me to file a defence, is it ok to do this online ?, i have read a few threads and this appears to be ok and the court will then confirm my defence claim by letter ?.

Hi all, First post but i have already got so much help and information from you guys so many thanks. I have an ongoing issue with BC much the same as BonM in an earlier post, and have so far followed everything to the letter already advised in that thread. BC's time for my CPR request expired yesterday, and as i have yet to recieve anything from him would it be good practice to wait a further couple of days due to Bank Holiday post etc before submitting my defence. Also can my defence using the template in that thread (thankyou) be submitted online to Northampton CC in the same way as my Acknowledgment of Service form, which was recieved by the court 24/03/10. Many Thanks in advance for your advice. Pugz

Hi all, First post but i have already got so much help and information from you guys so many thanks. I have an ongoing issue with BC much the same as the OP's, and have so far followed everything to the letter already advised in this thread. BC's time for my CPR request expired yesterday, and as i have yet to recieve anything from him would it be good practice to wait a further couple of days due to Bank Holiday post etc before submitting my defence. Also can my defence using the template earlier in this thread (thankyou) be submitted online to Northampton CC in the same way as my Acknowledgment of Service form, which was recieved by the court 24/03/10. Many Thanks for your advice Pugz