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Weejon

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About Weejon

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  1. They claim £1 payment was paid in 2014. I have bank statements going back to December 2012. They show no payments to the debt. Or even for any payments of £1. This is the only account I have held. I have never used a cca request before and this is my first dealing with this type of thing. Never went into a debt management plan. I went onto the electoral register at my new address and then a shoosmiths letter arrived about a month later regarding this.
  2. Court date is 23rd Jan. I'm looking forward to seeing what evidence they send me of the payments I have apparently made.
  3. Thats a very valid point. This is the only instruction on the letter. If I don't send proof of no payment to them then surely I could not use that as evidence in court. Also any ideas how a bundle of evidence should be presented?
  4. Update. So I received my court date. Any evidence from both sides needs to be sent to the courts and opposing sides 10 days before the court date. No defense to file so this is where things differ from the rest of the UK. Would bank statements be enough evidence to prove my statue barred case?
  5. Thanks for the continued help. In regards to sending a DSAR to Arrow. I believe that a DSAR should be signed. Should i be sending Arrow anything with my signature on it?
  6. Definitely small claims. I have printed off CCA request and DSAR and will be posting a CCA and DSAR to arrow and a DSAR to MBNA first thing tommorrow. I can't see the DSAR being returned by the court date tho as I believe it all moves quite fast over here.
  7. dx100uk yes that is correct...N125 Sorry I didn't specify...It's with the court costs added that brings it to over £3000. I did receive a claim pack..I was late on opening it. With it being a Saturday I lodged my dispute online with the generic statue barred comments and phoned the court on the Monday.. thankfully they have took my dispute as priority as shoosmiths had not lodged a default decree yet. Court says keep a better eye on your post and look out for your court date. This is what I am looking to get prepared with.
  8. This is for a small claim. I believe form 42 is used for a civil bill. I may be wrong. I don't have my court date letter yet so I'm unsure of the next step after I receive it. Just want to get everything in place.
  9. Thanks BankFodder I will get onto that right away. Where will they say the £1 payment came from as it clearly hasn't came from me.
  10. Yeah Northern ireland is slightly different you dispute the claim. Hard to find any info on the system here. I have already checked my bank statements. No payment was made. Do I make the CCA request and SAR to Arrow or Shoosmiths?
  11. No cca requested. The debt was assigned to arrow Jun 2012. If I have made no payments or acknowledgement of the debt to arrow would this not suggest that the debt is statue barred.
  12. I can't clarify when my last payment was made but I have made no payments to arrow at all.
  13. Letter dated 29 Oct 2019. Return date 28 Nov 2019. I only noticed the letter after the return date on 30 Nov 2019. As it was a Saturday I panicked and filed a dispute online on the grounds that the debt is statue barred. On the Monday I phoned the court and because shoosmiths hadn't filed for a default decree yet my dispute took priority. They told me to keep an eye on the post as this means it will go to court. So just waiting on a court date I assume. What is the claim for – the reason they have issued the claim? The respondent obtained a credit product from MBNA Europe bank limited on 20th Jan 2010 in the form of a credit card. On 30th April 2012 the respondent defaulted on the terms of the credit card at which stage there was an outstanding balance of 3400. On 21st Jun 2012 this debt was assigned to arrow global Guernsey Ltd. Notice of the above assignment was issued to the respondent at the relevant time. As a result of the above assignment any balance that remains due by the respondent arising out of the above mentioned credit card is now properly due to the applicant. Following post default credits this balance has been reduced to 2900. Please note that the customer last made a payment of 1.00 on 12th Dec 2014. What is the total value of the claim?3090. Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?Yes from shoosmiths. I replied with a statue barred letter and got a reply from shoosmiths saying I paid 1.00 on the 12th Dec 2014. I have access to online bank statements and have checked this is false. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ?After Do you recall how you entered into the agreement...On line /In branch/By post ?online Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No 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.Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Can't recall. Did you receive a Default Notice from the original creditor?Can't recall. Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ?No Why did you cease payments?Debts got out of hand when I lost my job. Buried my head in the sand. What was the date of your last payment?Before the default date...30th April 2012 Was there a dispute with the original creditor that remains unresolved?No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?No
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