Brill, is there a set amount of time to give them or just give any dates for points 1 and 2 thanks.

Thanks Andy, with regards to part G do i just change that to the request i made using the cpr 31.14 as thats all ive requested since i recieved the summons nothing before this, they still havent issued any paperwork for that request. And does this mean that will be going court or is it still stayed? Thanks again.

Hi Andy, its an N149 form thanks

Hi all, had a letter from arrow last week, Debt owed to arrow global Assigned by rbs (acc 6****************) We refer to the above and defence dated ****2012 the contents of which are noted. We enclose notice of change of solicitor by way of service to you, as the claim is now being dealt with by our specialist in-house litigation team. Please therfore ensure that all future correspondence is sent to us directly at the address below quoting reference number We note that your defence is based on the grounds that you are requesting documentation pursuant to part 31 of the civil procedure rules. We do not consider your request in its entirety to be reasonable. With respect to your request under part 31 of the CPR; we confirm the claim form was issued by the northampton county court bulk centre and the courts protocol was followed when issuing the claiments particulars of claim. Practice direction 7c point 1.4 (3a) eliminates the requirement to attach the documents to the particulars of claim when they are issued by this court. In any event we intend to provide reasonable disclosure, and can confirm that copy documentation has been requested from capital one and will forward upon reciept. (they mention capital one in the letter here a card which ive never had) in the interim, we can confirm that this claim relates to a natwest credit card taken out under the affinity partner mastercard on ****2003 Futher, arrow global acquired the account on **102010 and sent you the notice of assignment pursuant to the law of property act 1925 on the **022011. (never recieved a copy of this) We hope that this infomation helps you to identify the account and look forward to recieving notice that your defence has been withdrawn. Should you wish to discuss this matter futher or believe that your still have an outstanding query, please contact us at your earliest opportunity in a bid to resolve this matter amicably and save recourse to further legal action and costs. Then this morning i recieved a letter from the courts with a Allocation questionaire attached. Any more advice you have on what to do next or what to write on form i would be very grateful, Thanks.

Quick update- I ignored the letter as adviced and this morning i had a letter from Bryan Carter he has droped the case and has returned it to arrow global dont know what this means but can only assume its good news.

Ok brill so to look at from december my files will be clean as that is 6 years but worst case scenario is they take it to court with correct paperwork and i end up with ccj if i lose! Think i will take my chances on not replying and seeing what they come up with. Thanks for the advice will keep it posted if it continues.

Brilliant thanks guys so in the mean time i just do nothing and play the waiting game to see if they follow up there threats? Will the credit marker still drop off in december now then or stay until all this is sorted out?

Thanks mike and andy so do i reply to the letter to let them know i will challenge them or wait to here from court? Also are there any templates for the reply?

I just want to do what evers best so that i dont end up with a ccj its less than a month to go untill it drops off credit ref 6 years from default. If i did set up a payment plan would the debt then show on my file for another 6 years? or does it still drop off even under a payment plan? I am still unsure which credit card this is for as when i lost my job all them years ago i got into trouble with 3 of them and this is listed on my credit file as arrow global credit card the original lender is no longer on there. I dont think he has much to go on as i havent had any papers as requested under CPR 31.14 just dont know how to proceed if i just ignore his letter will it go to court then?

Thanks the POC are.. The claimant's claim is for the balance due under an agreement which is now all due and payable. The defendent agreed to pay monthly instalments un account number aggl**************** but has failed to do so. And the claimant claims the sum off 450.00. The claimant also claims interest thereon pursuant to s.69 county court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to 0.00 My defence.... 1. I ******** am the defendant in this action and make the following statement as my defence to the claim made by Arrow Global Guernsey Limited. 2. Paragraph 1 is neither admitted nor denied with regards to the Defendant entering in to an Agreement referred to in the Particulars of Claim ('the Agreement') the Claimant has yet to disclose any Agreement. 3. Paragraph 2 is noted with regards to termination of the alleged contractual Agreement, the Defendant has no knowledge; therefore the Claimant is placed to strict proof thereof. 4. Paragraph 1 & 3 is denied with regards to the Defendant owing any monies to the Claimant and the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement with the Claimant; and (b) show how the Defendant has reached the amount claimed for; and © show how the Claimant has the legal right, either under statute or equity to issue a claim; 5. I asked for disclosure pursuant to CPR 31.14 on **/**/2012 and the Claimant has not yet fulfilled the request. 6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 7. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the Consumer Credit Act 1974. 8. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. Statement of Truth I ******** believe the above statement to be true and factual. The letter since the defence..... Without Prejudice We have been notified by the court that you have filed a defence to this claim. In an attempt to settle this matter before hearing and in order to avoid either party incurring futher costs, we confirm our client is preparred to accept payment of the full balance by monthly instalments. Please insert an affordable sum in relation to our financial circumstances in the blank space in the proposed order and return it to us within 7 days. Provided the amount is reasonable we will sign the order and send it to the court to be sealed. Alternatively, if you would prefer to settle this debt now then please contact us on 0845 3133129 for a settlement figure. We look forward to hearing from you and hope we can agree to settle this matter without the need for a court hearing but if we do not hear from you we will apply to court to strike out your defence at hearing which, if successful, may result in futher costs being payable by you. yours sincerly Uncle Bryan Hope this helps you guys on what i should do next thanks again

Hi all back in sept i had a summons from uncle bryan on behalf of arrow i acknowledged service online then requested cpr 31.14 got the usaual responce bulk court so they dont have to comply but that they will send the papers but not within 7 days as requsted, time went on i put in a defence stating i knew nothing of the so called debt etc (template made to fit from here) as the POC where vague and didnt state who the debt was for and that i had broke an agreement (ive never paid them a penny) the debt is around £450 £530 with court costs. Now i have had an without predudice letter offering me to pay with monthly instalments and to reply within 7 days or they will apply to strike out my defence at hearing. i am unsure how to proceed they have still not sent any of the paperwork for the CPR 31.14 request to date and in the beginning week of december the default carter has put on my callcredit file only is due to fall off would this still happen if i took him up on his repayment plan or should i proceed different really dont want a ccj as this is the last bad thing on any of my files. Any help much appreciated thanks alot.