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balina2

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Everything posted by balina2

  1. Forgot today, loan agreement they've sent me a very blurry copy of is dated 2004. The default notice is a weird download from their system. The annual egg loan statement is dated August 2010 to an address I wasn't residing at. Showing last payment received August 2010 which I don't have reflected in my bank statements.
  2. Hi, Apologies to resurrect this post despite my having filed the defence and Shoosmiths writing to say the claim was submitted as an administrative error, I've been contacted again this week. Shoosmiths have now written to me to say that further to my defence they now enclose. Personal loan agreement Default notice (system information as our client does not hold a copy of the default notice sent to you) Annual egg loan statement Notice of assignment between Egg and Brittanica recoveries. Notice of assignment between Brittanica and Arrow. In light of the information set out above we believe we have provided enough documentation to substantiate the claim against you. We note that the issuing of this claim was an error due to the matter being placed on Hold. As such should you wish to dispute the claim we are willing to provide you with a further 14 days (letter dated 15th Dec) to provide an amended defence. Alternatively make arrangements to pay. What do I do? Will the court re open the claim and if so shouldn't they inform me?
  3. I haven't sent a SAR no. JD williams never placed a default. The default was only placed in the last 12 months by Hoist even though they're saying it defaulted in 2011 they didn't record it from then. I spoke to Jd Williams and they asked me to send them bank statements showing I wasn't residing at the property when the account was opened. Obviously I refused to do that. I then reported them to the Ombudsman. Hoist then told me not to liaise with Jd williams but to only contact them.
  4. Hi, I would really appreciate some advice on trying to remove a default I have with HOIST PORTFOLIO HOLDING 2 LIMITED. Despite me not having a debt with this company and despite me pursuing them for evidence of a debt (they say it originates to a mail order account opened with JD Williams in 2004 at an address I only temporarily resided at) they have failed to provide proof and continue to place a default on my credit file. They are claiming the account was receiving payments through a debt management company until 04/2011 when they claim it was defaulted. However they have no proof of these payment and when I contacted the DMC concerned they said they had no evidence either. I have just been turned down a mortgage with Santander because of this, despite me showing evidence to them of where I have requested proof and also complained to the Financial Ombudsmen. They refused to "take my word" for it and said I could only get the mortgage if I got Hoist Portfoliio to admit they were wrong (I tried to explain it isn't in their interest to do this as they just want the money regardless but they wouldn't take this on board). Santander's mortgage advisor said well go to the police or the Chief Exec of the Debt Collection company. Very helpful!?!? the last correspondence I had (further to an Ombudsmen complaint) from Hoist was to say the following: "My understanding of your complaint is you are unhappy with the default against your credit file as we have not provided evidence of your liability. JD Williams have provided a reconstituted agreement along with a statement of account. The account was opened in your maiden name. JD Williams have also advised they hold a record of the account being paid by a debt management company however no payments have been received by us. We would therefore respectfully suggest that you pay us using the reference on this letter. We are therefore satisfied the reporting on your credit file is correct." Any advice on how I tackle this would be hugely appreciated Thanks
  5. Hi Thanks for your advice. I have now received a letter from Shoosmiths stating.... Please accept our apologies for the administrative error occurred and note your account is in fact on hold pending receipt of the requested documentation from our client. Please rest assured no further contact or proceedings will be issued in the interim. Additionally please keep the Claim Form for your records should you need to respond to this in the future. Should we be in a position to avoid such proceedings, once your query has been resolved, we will simply discontinue the Claim made without a detrimental affect to yourself. What do I do now regards filing a defence? I take it I still have to respond, do I just file back a defence stating what they have said to me? Many thanks again
  6. Thank you again. in which case do I sent a standard CCA request to Arrows or do I mention that I had in fact requested this already through Shoosmiths but it has not been forthcoming? And do I need to still give them 12 days?
  7. Thanks everyone Shoosmiths have cited that all correspondence should go to them not to Arrows. Therefore am I okay continuing to request proof of debt direct from them or do I still separately have to go to Arrows?
  8. Name of the Claimant ? Arrow Global Limited Date of issue - 12th August 2015 What is the claim for – The claimant's claim is for the sum of 20k being monies due from the defendant to the claimant under a regulated agreement between the defendant and Egg Banking plc and assigned to the claimant on 08/02/2013 notice of which has been provided to the defendant. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. The claimant claims the sum of 20k. C has complied, as far as is necessary, with the pre action conduct practice direction. Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Personal loan When did you enter into the original agreement before or after 2007? Definitely pre 2007, likely 2002 or 2003 but not sure as I have no records of this at all. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Arrows Global are the debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? I have no memory or record of it Did you receive a Default Notice from the original creditor? Not to my knowledge Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No What was the date of your last payment? I've never paid Arrows as never saw any proof of debt from them . Nor have I ever acknowledged debt as saw no evidence it was mine Was there a dispute with the original creditor that remains unresolved? NO What do I do now? And I have just checked all my correspondence now and I am 100% I have never paid Arrows Global Ltd any monies ever and I have never acknowledged this debt.
  9. Hi, I have debt from pre 2007 which, after a few years of creditors leaving me alone is now coming back to haunt me full pelt in the form of solicitors letters from Debt Collectors. I suspect this is because they have wind via the land registry that I bought my parents house two years ago (to help them secure a more affordable mortgage after their ill health prevented them from working). The last time any of these debts were acknowledged was February 2011 when a DMP made a payment on my behalf. However I do not know any more which debts are still outstanding. I have suddenly been hit with a County Court Claim form (dated 12th August) saying that Shoesmiths LLP are claiming money for a debt (pre 2007) on behalf of their client Arrow Global Ltd. Before the Claim hit me I wrote to Shoesmiths asking for proof of this debt and they responded to say they note my comments and have asked their client for a copy of credit agreement , statement of account T&Cs and notice of assignment. They said my account would remain on hold until the above documents are received. However I got no further correspondence to say they had secured any proof of debt and the very next thing I got was this county court claim form! I responded to the claim form online by filling out the acknowledgement of service, saying I intend to defend the claim. Now what do I do in regards to the defence? I am not sure if the debt is mine as I have seen no proof of it. I know it is certainly pre 2007 if it is. However there is a chance that a payment could have been in Feb 2011, but this payment like I said did not come direct from me but a DMP so I have no record of it. I want to be able to file a defence saying I do not acknowledge the debt is mine but not sure how I do this?
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