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About Bordersman

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  1. Arrow have now been sent the CCA 1. Signed for ( sent back refused) 2.First class ordinary post ( no response) 3.Email ( no response) I have not had anything from them at all, no copy of documents to be used in court or anything else. Presumably I have to await the hearing now but apart from the writ I have seen nothing at all from them.....
  2. Their address on the claim form is: 20-22 Bedford Road London WC1R 4TS This is the address I sent the CCA to. I will scan it and post here for future people dealing with Arrow Global and as a potential outcome to a CCA request to them.
  3. I received my CCA request back from royal mail stating it was refused! Not sure what to do about that how does their refusal affect the case? Presumably they would be required to accept the request?
  4. I do not know how that is possible. Presumably there is a process to go through in order to declare that an alleged debt is in default?
  5. I think so. I had quite a few branded credit cards over the years but paid little attention to who the master bank / organisation was. I just checked if FD was owned by HSBC as a posibillity.
  6. did you run up this balance? I do not know. "or is the balance on the card vastly inflated from what you think it should be and this is the HSBCicon managed loan debacle whereby they lumped all your debts to them together under a managed loan... then subsequently dumped it back into your bank account with them creating a vast OD balance. I've seen this done on a credit card too." I have never had a bank account or any other facilities with HSBC that I can remember. I think the guy who took it just looked to see if the points on the writ had been admitted or denied
  7. One of the court administrators accepted the defense this afternoon. I asked him to look it over as I had sent it in and it had been rejected. He thought it looked fine. I have emailed the defense to Arrow Global and took a screen shot of my computer with the Arrow Global email alongside the defense letter attachment and the showing the date and time. Filed that with the rest of my documents. Presumably if I have 14 days to submit a defense then they have the same 14 days to submit their supporting documents? Its just that to date I have had nothing other than their original wri
  8. Would the above be fit for handing in as my defense? I could not get the formatting of the letter pasting it on here: everything above the numbered responses is formatted to the left hand side. Im going to take it over to Jedburgh this afternoon and ask if the format is ok for the court. Thanks again.
  9. JED-A32-17 12 July 2017 AVERMENT Arrow Global Limited, a company incorporated under the Companies Acts and having its registered office at 20-22 Bedford Row, London. WC1R 4JS PURSUERS Mr Borders Man residing at xxxxxx xxxxx postcode DEFENDER ---------------------------------------------------------- 1. Admitted 2..Denied. The Defender has never signed any agreement regulated by the* Consumer Credit Act directly with*HSBC 3.Denied. The Defender has never received said assignation by way of written notice from the pursuer.
  10. The only documentation supplied by the pursuer is the statements made in the writ I scanned for post number 44. Nothing else at all. I was hoping to hand deliver my defense to the court tomorrow. Do you think the format / responses look ok? I am thinking that I cannot deny a contract exists although I have no provided proof from the claimants that one does.
  11. Thanks again dx100uk, I have drafted this as , to the best of my knowledge, it is the format the Sheriff Clark will accept. I also read the relevant defense parts of you document above and came up with this: PROD1 is my original CCA request letter. Should I also refer at this stage to proof of posting and copy the [post office receipt as PROD2? DEFENDER ---------------------------------------------------------- 1. Admitted 2.Not known and not admitted that the said contract between HSBC Bank plc and the defender exists. The defender made a request under s78 o
  12. HI there, I sent in the defense as discussed and it was sent back by the sheriff Clark. It states " Thank you for your recent correspondence regarding the above matter. Regretfully, I am unable to accept your defenses in the form provided, and I am also unable to accept your request to the court to have your case dismissed. You may wish to consult the Sheriff Court ( Ordinary Cause) Rules for further guidance regarding this matter. I am unable to provide any legal advice, however," etc......seek legal advice or speak with citizens advice I am not sure if I s
  13. I did not put what you wrote on post 25 as I submitted form 07 on the 23rd July four days before your post on the 27th July. I was also thinking that my defense would be better by taking into account what they produced under the CCA request. As they have produced nothing I would like to show this to the court now and ask for the case to be dismissed with expenses awarded to myself ( £120.00 plus a cost for my time defending the action) I would then like to donate the expenses to the group. I just want to make sure on the wording of the letter asking to dismiss the case and as
  14. A fee of £120.00 if you don not have it you cannot defend the action! I think maybe a letter to my MSP about that.
  15. Arrow Global are now out of time to reply as of today ( request posted 14 days ago) Should I hand in the defense above on Monday to make sure enough time has elapsed according to law?
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