Hi, BazzaS - That's what I was thinking and I hope that's what the court decides if they do happen to try and reinstate. andyorch - I definitely do not intend to sign it, I've not acknowledged the debt for over 5 years and I'm pretty sure its been 6 years since I made any payment towards it. Should I get a SAR from the original credit card company? Mike_Hawk - I didn't apply for costs since and the agreement they sent was a copy of the one I'd allegedly signed back in 2007. I was served with a order from the court stating that the claim had been struck out if that is what you meant? Thanks everybody for the help, I really appreciate it

Hi Andy, Sorry about the delay in replying, I've got a resit exam in a few days so I've been studying for that, not had any time to post pictures of the letters so I've just uploaded them now and you can have a look. I'd really appreciate any help I can get, I really don't need the added stress from this when I go back to uni in September for my second year. I've uploaded pictures of the letters.

Hey everybody, Love this this site, helped me loads with getting a claim from Arrow Global struck out. Here is an outline of what happened: -Debt was from natwest credit card from 2007 -Claim was put through Northampton County Court by Brian Carter (surprise surprise) -When I requested the documents, they said they were handing the case to the claimant Arrow Global -I did everything as requested by the court, had allocation questionnaire that I handed in -Case was moved to my local court -A country court judge ordered that before any further proceedings, a court order was made that the claimant supply the court and myself with the CCA within 28 days (I think) of the order being made -Arrow failed to supply the CCA and the claim was struck out by the judge on the 21st of June. Here is what the letter I got from Arrow said, they acknowledged that the court had struck the claim out on the 21st June and it was typed by the court on the 26th of July. After over 4-5 months since I requested a CCA they finally attached one, and it looks like it's all there. Now they are saying that if I do not communicate with them or sign the declaration (no chance) they have attached then they will reinstate the claim. Can they do this as it has been 49 days (7 weeks) since the case was struck out. Also they have not supplied the default notice, notice of assignment or anything stating how much I owe. Also I was staying in Scotland at the time I signed the agreement and the address on the cca states this. I'd been living in scotland for 2 and a half years so would the debt be statute barred since it has been over 5 years (my credit file says there were 8 missed payments before the end of 2007, which I'm assuming meant the last payment I had supposedly made was back in June/July of 2007)? I'm hoping somebody can help me with this. Any help would be greatly appreciated! Many Thanks

Lol you had me worried there, it's the first time anybody has said I may be actually liable. Everyone has said that if this is the case, I would be liable for lets say a postal worker who happened to be carrying my parcel and decided to make a claim against me. Losing this would set a strange precedent that could be used in the future. I'm going to go and see the local solicitors that the legalservices website recommends to try to get some help, hopefully I'll get some, if not I'm basically screwed, because although I was able to write a defence and submit witness statements, the laws and terms used in court will be a little much for someone that's never done anything to do with law, especially when they'll have barristers acting for them.

He carried on working at the van company for a few weeks. The first time he went to any medical practitioner was 14/09/09 (he has a doctors note saying don't go to work for 6 weeks) after the supposed incident, he went to the A & E because he said the lump in his groin had become painful and that he was too shy to have gone earlier, and it turned out to be a hernia (something that occurs in 25% of all men, my father and a friend have both had them). I was never his employer and he himself has stated that in his witness statement, I was just another customer. I was not an employer and I alone was the one buying the chairs and my friend was just helping me out as he owed me a favour. I at no time paid the driver. He was instructed that he would require to take straps and a pallet truck with him on the jobsheet the van company had supplied him with. The van company has submitted documents saying they had trained the employees in manual handling and a sheet was given stating exactly what that involved. It states that if the driver has any doubts about the load that he must contact the office, and that training for both manual handling and how to use a pallet truck and ropes/straps is also given.

Nope...here is an update of whats gone on so far: The claimants solicitors sent me all the documents relevant to the case (massive bundle mostly crap that was not relevant to my defence). The claimants initial witness statement he says that the chair was on the tail lift and that "grabbed the chair to stop it falling and he felt a sharp pain in his groin” in his supplementary statement he says the chair was half on the tail lift and half in the van and that he “grabbed the chair and it fell and pinned him against the side of the van. He's obviously lying. I submitted my defence that I had to complete myself by the date that was given (I got some help off a friend that's studying law). The solicitors firms I went to said the case would cost in the region of 7-12k; not money I have lying around. Would I be able to post my defence up (without names, dates and case number etc)? I then submitted my witness statements along with 2 documents I was going to rely on in court and also sent a copy of this to the claimants solicitors and handed a copy into the court before the deadline I had been given. Ok now to the "listing questionnaire" I was expecting the court to send this out to me so I waited and waited and it never turned up and I missed the date to hand in my Listing Questionnaire which was meant to be handed in on the 18th August. So on the 20th August I received 2 letters (both dated on the 20th August), one was a "N24 Standard order for failure to file listing questionnaires" which said I had till the 28th August to hand the Listing Questionnaire in, that was fine and I handed that form in on the 28th (had to pester the girl at the court desk to help me fill it out). But I also received a "N17 Judgement for Claimant (amount to be decided by the court)" which was strange since my defence had not been struck out and I had till the 28th August to hand my Listing Questionnaire in. All he judgment just says "It is ordered that the defendant must pay the claimant an amount which the court will decide, and costs.", it does not have the name of the judge and there is no reason as to why judgment has been made before the trial has happened. So I rang the court the same day (20th August), the lady I spoke to said the case had only just been sent up to the Judge to be looked at, and that the N17 must be a mistake if I had also been sent out a N24 which gave me will the 28th to submit my defence and that the judge was only just looking through the case. With the Listing Questionnaire I submitted to the court I also wrote a letter asking why a judgment had been made when my defence had not been struck out and I had met all the deadlines I had been given. I have had no response since I handed that in (That was handed in on the 28th August). Also I received a copy of the listing questionnaire from the claimants solicitors, so far the base costs for the claimant are £50k and estimated future base costs are £20k. This made me actually laugh. So I'm really lost at the moment because if judgement has already been made why would I be made to file paperwork if I've already lost? Can I have the judgement set aside? If so how would I go about doing that, is there some sort of form I need to fill out?

Bump...

Anybody???

Hi, I asked the company for a truck and driver (since i did not have a driving license at the time) and also the driver to help out with the loading onto the actual truck. I was doing it as an individual and never kept any records of it, because I never thought I would need them. And yes the said employee has made a claim against his employer already. I have attached a link to images I scanned with the reasons they gave to add me on to the case and also: And here are the "particulars of negligence": Hope this helps

Im not sure to be honest, because basically it was a student overdraft, and i'd used up most of the overdraft, and they just closed the account and said I had to make an immediate payment to clear the overdraft. The reason they closed the account was because I hadn't used it for a few months (for obvious reasons). Would that BCOBS still be useful to me?

Hey everybody, Just thought I'd say introduce myself, I'm new to the forum and hope it can help me as it has helped others (great forum by the way, been looking through different threads, lots of information available on financial right that I had no idea about)

Im not sure to be honest, because basically it was a student overdraft, and i'd used up most of the overdraft, and they just closed the account and said I had to make an immediate payment to clear the overdraft. The reason they closed the account was because I hadn't used it for a few months (for obvious reasons). Would that BCOBS still be useful to me?

Thats crap, I dont know what I'd do without a car!

around 2-3 years ago I had a Barclays student account with the usual £1000 overdraft limit etc. One day I withdrew some money I had been saving in paypal into my account and decided to go to the bank to withdraw some to pay some bills (it was £2000 that went in). I'd lost my pin a while ago, so I took along my passport and card, told the lady at the counter that I did not have my pin, and they said ID would be fine so i showed my passport, and she had the cheek to say it wasn't me in the picture (it was a few years old but still valid!). And then she said the DOB didnt match and neither did my mothers maiden name or address (and she checked the account number and sort code 3 times, it was my card with my name on it)! I was fuming and you can imagine when you have £2000 that you saved and then a bank that says the account doesnt belong to you. I actually started shouting at the lady and then the manager came, he said the same thing and that I had to leave or they would call the police, I said call the police, I am exactly who I say I am, please call them. Eventually I just walked out very annoyed, I went home and went through all my room to find my pin they had sent me, and luckily I found it, I withdrew every penny from the account and never bothered with it. 8 Months later I get a call from barclays saying my account has been closed because I have not used it, I explained what had happened but the person on the phone did not care, and this time mysteriously they had my correct DOB and address! they said I had to pay the overdraft back immediately or I would get a default, I was not working at the time so I told them I could not afford to pay, they said I would get a default and I had to pay a minimum of £150 a month! i managed to pay 2 months worth and after that I was broke, I got a default put on my credit file! Is there any way I could have this removed? I was almost clear from all defaults until this happened (I had ones from when I was 18, around 5-6 years ago which should be going soon). Anybody had any experience trying to get these sort of default's overturned? Any help would be greatly appreciated

I was wondering the same thing about the defaults after 6 years, do they just automatically remove them from your credit file?