Good Morning All, My wife has received an initial letter from the above named solicitors(who from what I have read are a bunch of jumped up cowboy's) chasing her for an overall debt of £415.97 which she strongly believes maybe over the 6 year statute barred limit however she believes if its not then its very close to it. In this letter they state she has 14 days to respond or court action will commence without further notice. I have attached the letter(taken a clear photo minus our address) that she has received in her maiden name. Could I have advice on how to approach/what letters to send these idiots as my wife has started to get her credit history back on track but is in an employment position that if her credit history faults from here on in it could potentially put her in a bad way as she will lose her security clearance. Many Thanks in Advance C.G.

Hi I recently received a letter from Bryan Carter stating I owed money which I denied. I sent the "prove it" letter to them and got no response. Today I received a letter stating they would be issuing litigation in 48 hours, underneath this letter was a letter from Northampton County Court and a claim form. Should I go back to bryan carter or respond to the court letter? Should I write to the court or use the online link? I tried to access the link to see if there is any further detail there and the claim number doesn't seem to work Cheers

Hi, I wonder if I could get some advice, please... Having sent Bryan Carter a CCA request, last week I received a reply from Capital One telling me that they weren't going to deal with it because my signature didn't match their records (I had printed my name). On Monday, just as I was looking up the most appropriate response on other threads here, a Claim Form plopped through the door! For those who need this info, the particulars of Claim are: The claimants claim is for the balance due under an agreement which is now all due and payable. The defendant agreed to pay monthly instalments under agreement number xxxxxxxxxxx but has failed to do so. And the claimant claims the sum of £XXX.XX The claimant also claims interest therefore 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 £XX.XX Now, up to this point, I've been OK but as this has the potential for me to severely cock things up if I go even a little wrong, I seriously need some advice! I am pretty sure I never signed an agreement. I can't be certain but I think I filled in a postal application and then the card came in the post. I'm also unable to be exact on the date but think it was before 2000. My question, obviously, what should I do now?

HI Diddn't realise he had his own forum... Ok, my partner has had a credit card with Cap 1 for some years. She lost her job when Focus went bang but found another job a few months after. Due to finances she contacted Cap 1 (by phone) some 3 yrs ago to arange a payment plan of £5.00 per month after sending them all our financial breakdown papers Etc. She has not missed any monthly payments and she has nothing in writing about the agreement but they have happily accepted the £5 each month. On the 17 Dec she gets a letter from this company saying she had not paid the debt off and should do so now. I told here it was probably scare tactics at Christmas time. So she did not write to them. Yesterday she recieved a second letter stating court action. Cap 1 have not contacted her once, so how it's come to this I don't know. I have a nasty feeling I am going to receive the same as my situation is the same with Cap 1. I note they have inserted an incorrect date (31/12/1899) lol It make reference to the Law Of Property Act, I presume this means they assume they can use the house as collateral??? Thing is the house is in MY name only (she moved in with me 4yrs ago) but if they start the same with me then I suppose they could. Anyway... Both of us are worried and not sure of the best way forward. I will try to attach the letters (as PDF) She has just received from Northampton Court (Bulk Centre) a claim form, response pack and defence & counter claim. Is she done for or is there any way to stop this? Thanks

Hi, I am new to CAG. Received a claim form from Northampton County Court regarding an a debt to Arrow Global. We have no idea who the original creditor was and have never received any notice of assignment etc from Arrow Global. The form is dated the 24th August. I acknowledged the claim on line and said I intended to defend the claim and requested 28 days to file a defence, I then sent the template CPR31.14 request t Bryan Carter. Their response was similar to others I have seen on the site except they said they would have to take their client's instructions as to the request for an extension of time. I am now left not knowing if they have agreed to this and today is the 24th Setember. Please could you tell me what to do next? do I file a defence now anyway? do they have to agree to it? Please help! I am not sure about the timescales and am worried I am running out of time!! thanks

Back in 2008, before I discovered CAG, I made a Full and Final settlement with Clarity over an Egg loan. I still have all the correspondence and the acceptance letter from Clarity. Then last week, out of the blue, I got this letter from Egg: And today I got this from Arrow: It will now be well statute barred in any case, so it seems to me that I'm covered any which way. Either they accept the F&F letter, or they don't and it's Stat Barred. Do you think this requires any sort of response at this stage?

Hi all - been mooching on and off these boards for a few years, and only recently registered. Cutting a long story short out of the blue I have been at the hands of Uncle Bryan pretty much commensurate with this post here:- forum/showthread.php?342979-bryan-carter-and-ccj-claim&highlight=brian+carter Claim issued 25th May in Northampton CC (surprise!) with almost identical (wooly?) wording so I've done AOS, CPR'd (copied verbatim from the thread link) and CCA'd (from the library) Uncle Bryan and received the following replies: - (bugger can't post links or images ) Letter 1: - Dear Mr ARROW GLOBAL GUERNSEY LIMITED v MR ACCOUNT NUMBER: CLAIM NUMBER: We write further to your request for disclosure under Part 31 of the Civil Procedure Rules. We confirm the claim form was issued by the Northampton County Court Bulk Centre and the Court’s protocol was followed when issuing the Claimant’s 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. With regards to your request for disclosure of documents under the Civil Procedure Rules, Part 31.16.2(d); we confirm that this matter would most properly be allocated to the Small Claims Track and therefore Part 31 of the Civil Procedure Rules in its entirety will not apply. It was the original creditor’s policy to issue agreements on or around the date of the contract and statements throughout the duration of the agreement, in this regard We ask you to refer to your own records. You are of course at liberty to request copies from our client direct and a fee may be payable. Our client’s address is as follows: Arrow Global Belvedere 12 Booth Street Manchester M2 4AW. We have however requested documents from our client and hope to revert to you shortly, although this will not be within seven days. We have referred the content of your letter to our client regarding the extension to filing your defence and we will revert to you in due course. Yours sincerely BRYAN CARTER Letter 2: - Dear Mr ARROW GLOBAL GUERNSEY LIMITED v MR. ACCOUNT NUMBER: CLAIM NUMBER: We write further to our letter dated 12 June 2012. We confirm that our client agrees to an extension of time of 14 days for you to file your defence. We look forward to hearing from you with your defence. Yours sincerely BRYAN CARTER Letter 3: - Dear Mr We thank you for your communication regarding this account. We have referred the matter to our client and will revert to you as soon as we are in receipt of instructions. In the meantime, we confirm that We have placed the account on hold. Yours sincerely, Bryan Carter Solicitors So, in a nutshell where do I go from here? Oh the debt is more than 5k so small claims track N/A? Is he likely to drop this like GCSE French? I don't recall the CCA or CPR I sent asking for an extension (but it would appear I have one anyway now lol) so do I do the embarassed defence and go for a strike out; what does "account on hold" mean (i.e. is he withdrawing his case?) and he once again mentions the fabled "original creditor" - according to my CRA file Arrow "own" the alleged debt however I have had no statements or assignment notice from them. Is there anything else I can do to really pee on Bryan's chips? Many many thanks in advance BT Anyone?? Please help, running out of time a1 3.pdf a1 2.pdf a1 1.pdf

Hi. Thanks for taking time to read my post I really hope someone can help me as I am really worried about it and unsure of the best way to proceed. I received a claim form from Northampton County Court this morning with the following particulars: THE CLAIMANT'S CLAIM IS FOR THE BALANCE DUE UNDER AN AGREEMENT WHICH IS NOW ALL DUE AND PAYABLE THE DEFENDANT AGREED TO PAY MONTHLY INSTALMENTS UNDER ACCOUNT NUMBER XXXXX BUT HAS FAILED TO DO SO. AND THE CLAIMANT CLAIMS THE SUM OF 989.81. 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 AMOUNT CLAIMED: XX9.81 COURT FEE: 55.00 SOLICITOR'S COSTS: 70.00 TOTAL AMOUNT: XXX4.81 I've worked out that this refers to an old Natwest credit card. There was no mention of this on the claim form. Back in June 2008 I sent a CCA request to Moorcroft who were chasing this debt at the time. I have the recorded post receipt. They sent a letter back saying they couldn't produce one, unfortunately I can't find the letter but looking through my computer records I sent them the following letter on 11th July 2008... Thank you for your letter dated 1st July 2008 regarding my request for a signed copy of the relevant agreement under the Consumer Credit Act. Although you state that you are unable to provide me with a copy as requested it is my understanding that under the new Unfair Commercial Practices Directive you have the same responsibilities as the original creditor to comply with my CCA request. I therefore enclose a postal order for £1.00, which represents the statuary fee and remind you that as I asked for this on 25th June 2008 you need to supply me with a copy before Monday 14th July 2008. I look forward to hearing from you in writing. Yours sincerely, A few months later (Sept 2008) I get a letter from Allied International Credit chasing money so sent them an account in dispute letter asking to return account to original creditor. I've not heard anything about this debt since, until today. I have had a look through some of the posts on here and I'm sorry I am still a bit confused about what to do next. I think I should go online and defend claim? The issue date of claim is 13th August but only received today - is the deadline tomorrow - 5 days? The other problem is that I am going on holiday on Monday for 2 weeks so am worried about potential time limits on dealing with this as I wont be home. Can someone please please help me with what I need to do next. I really appreciate any advice/help you guys can offer me. Thank you.

hi i took out a loan with quid24 for 100, with a repayment of £110 , unfortunatly wasnt able to pay it on time, and within 6 days of missed due date £190 of charges had been added, they claim the charges are for letters they have sent but i have only ever recieved emails which they claim to be the letters. anyway here it a converstion log i have had with them so far. please let me know what you think , i have tried throwing a few legal quotes here and there (although i have probably got them wrong lol ) i have paid them £110.38 thet still persistant that i owe them £189.62 and dont seem to be budging no matter what i do or say, only thing they have done is offered to clear the remaining for £89.62 ( - £100 of the debt) but i still think this is unfair. i have contacted the financial ombudsman who advised me they can charge whatever they want if thats what i signed in the contract, but they have told me they have written to quid24 telling them i have lodged a compaint and they have 8 weeks to sort it... anyways enough of me going on, heres the contact between me and quid24 so far. [email protected] |2011-10-24 20:13:05 I would like to cancel mu agreement with yourselves under the terms and conditions i have 14 days to cancel my agreement with yourselves so i would like to excercise this right, please accept this as my written confirmation as cancelment of my agreement . please contact me asap by phone on 07413610113 in regards to the matter and for full payment of the original amount borrowed , the transfer fee , and 14 days interest at 8%apr . I would like to thank you in advance for your help in regards to this matter. Regards, anthony smith [email protected]@quid24.com |2011-10-25 13:28:04 Dear Anthony, Thank you for the email. Please see Cancellation Rights in our Credit Agreement: You will have a right to cancel this Agreement for 14 days, beginning with the day after this Agreement is signed by us ("the Cancellation Period"). If you do not exercise your right to cancel within the Cancellation Period, you will not be able to cancel this agreement. You may exercise this right to cancel by giving notice in writing by sending a letter to us at Quid24 Limited, 2nd Floor, 145-157 St John Street, London, EC1V 4PY, United Kingdom or by e-mail to [email protected]. As the Credit Agreement was signed on 07/10/2011 at 01:21, the Cancellation Period ended on 21st October. You sent us the notification on 24th October, so you are no longer able to cancel this Agreement under the Financial Services (Distance Marketing) Regulations 2004. Please make sure that you have sufficient funds available and let us know when can we collect the repayment of £300. Kind regards, Quid24 Support http://[email protected] |2011-10-25 16:11:19 Give me an account number and sortcode to pay onto i do not have a debit card to payvwith, also i.borrowed on the 10/10/11 not 07/10/[email protected] |2011-10-25 16:29:21 Dear Anthony, Thank you for the email. The Credit Agreement was signed when you registered with us on the 7th October. And the Cancellation Period is for 14 days, beginning with the day after the Credit Agreement was signed by us. So the Cancellation Period was 14 days starting from 8th October. We can offer an alternative payment method only once. Please make us a bank transfer to cover your debt using the following details: Account name: Quid24 Limited; Account number: 23497062; Sort code: 20-30-89; Amount: £300; Ref: Smith 1804 Please do not forget to add the reference. Please note that if we have not received the payment by the time we have agreed, additional charges will be added. When you have made the payment, please notify us and send us a copy of the payment. Please let us know as soon as you have received a new card to update your details. Thank you. Kind regards, Quid24 Support http://[email protected] |2011-10-25 17:25:39 I have made a payment of 110.38 the paymeny breakdown is as follows: £100 original loan £5.50 transfer fee ( altough all uk banks transfer instantly for free) £4.50 original interest fee £0.38 good will gesture 1months interest on £100 @ 8% apr as for my debit card number you will not need this as as far as i am concered my debt to yourselves has been paid However if you still believe i owe any outstanding balance i advise you to pursue the matter via court, as the rest of the balance you claim to be owed is clearly laid out on the online statement as charges for reminder letters that you have not sent, and if you had i would expect them to be printed in gold on 24c gold leaf paper as £70 for a standard piece of paper printed in black toner ink certainly would not be a justifiable cost which would then bring us to the unfair terms and conditions act of 1997. I thank you for your help in this matter anthony smith. [email protected] |2011-10-26 11:08:21 Dear Anthony, Thank you for the email. We have received your payment of £110.38, as your loan had increased up to £300, so £189.62 is currently outstanding. Please Make us another transfer of £189.62 as soon as possible, as otherwise your debt will be soon handed over to our debt collection partner and further debt collection fees will apply. Kind regards, Quid24 Support http://[email protected] |2011-10-26 15:21:16 Get the message you aint getting another penny stop playing stupid . [email protected] |2011-10-26 15:41:53 Dear Anthony, Thank you for the email. Please note that your loan has increased up to £300. The outstanding balance currently is £189.62, as you have only repaid £110.38 to us. Please make us another transfer of £189.62 as soon as possible, as otherwise your debt will be soon handed over to our debt collection partner and further debt collection fees will apply. Kind regards, Quid24 Support http://[email protected] |2011-10-27 18:01:47 May i remind you that under the unfair terms and conditions act 1997 that your terms and conditions for charging £190 for letters you have not sent is deemed an unfair charge and would also be deemed an unfair condition in a court of law. however if you wish to continue this matter and pass the accused debt to a debt collecter then i would also like to remove your right to ring me on any contact number and further contact is to be via email and post only , this right also moves with the debt so you are to inform any 3rd party you pass the matter on to that they also no longer have any right to contact me other than the methods stated. if anyone contacts me by any method other that post and email in regards to this matter they will be liable for damages in court under the communications act 2003. I would like to thank you for your yet more unhelpfulness, and hope not to hear from you in regards to this matter [email protected] |2011-10-31 12:45:02 Dear Anthony, Thank you for the email. You have agreed all the charges as these are stated in our credit agreement that you have read, agreed and electronically signed. Please note that these letters were sent via email. Kind regards, Quid24 Support http://[email protected] |2011-11-04 14:43:11 its nice to see how it took you 4 days to reply, anyway i have just been in contact with with the financial ombudsman who are going to write to yourselves in regards to the matter. firstly letters were not sent emails were, there is a difference, a letter you print and post and email you type and click a send button. and secondly the dates the emails were sent do not match the dates they should have as stated in the terms and conditions. terms and conditions states LETTERS (not emails) would be sent after the account becomes 1, 2, 4, and 7 days over due EMAILS (not letters) were sent on 1st reminder 17th oct - the DUE DATE (not 1 day after) 2nd reminder 18th oct - 1 day over (not 2 like stated) 3rd reminder 20th oct - 3 days over (not 4 like stated) 4th reminder 23rd oct - 6 days over ( not 7 like stated) also it has been noted to the financial ombudsman that when i contacted you in regards to a repayment plan you refused to help until the 24th oct conveniently after you had finished charging the account with unfair and unjustified charges. [email protected] |2011-11-04 15:10:22 Dear Anthony, Thank you for the email. Please note that it did not take 4 office opening days to reply to you as our office opening hours are Mon-Fri 8.30am-5pm. You sent us the email on Thursday evening after the office was closed and we replied to you on Monday morning. So we replied to you on the second day. We have checked and the emails were sent out on the following dates: 1st reminder - 18th October, 2nd reminder - 19th October, 3rd reminder - 21st October and 4th reminder - 24th October. Please note that these were sent out straight after midnight when the charge was added. Reminder letters are sent out via email, not via post as emails will reach you straight away. We can only offer repayment plans to clients whose loan has gone seriously overdue and who are seriously in debt. Kind regards, Quid24 Support http://[email protected] |2011-11-04 15:42:12 do you not think £300 for a £100 is not seriously overdue enough ? and why would you not think i was in serious debt, if i wasnt in debt i would of been able to obtain and overdraft from my bank or a cheaper method of borrowing? anyway heres my solution , i can offer £10 a month on starting thursday the 10th, and can offer this every 4 weeks, providing you stop adding interest and charges, however if you find this unacceptable and still want to challenge it, then i will have no option but to let the matter continue , and once 8 weeks has passed without any resolution from yourselves, the matter will be pursued with the financial ombudsman. [email protected] |2011-11-04 16:10:21 Dear Anthony, Thank you for the email. We are willing to freeze the loan and set up a repayment plan for up to 12 months. As currently the outstanding balance is £300 and if this would be divided into 12 equal payments then every month you would have to repay £25. Alternatively as a gesture of goodwill we can make you a settlement offer to repay £200 in one go before 23rd November 2011 (so we would waive more then half of the charges). Please let us know which of the above two offers suits you the best and let us know of the exact date(s) when we can collect the payment(s). Kind regards, Quid24 Support http://[email protected] |2011-11-04 16:18:18 Dear Anthony, Please ignore the above email. As you have already repaid £110.38, the outstanding balance is £189.62 not £300. Please accept our apologies for the mistake. We are willing to freeze the loan and set up a repayment plan for up to 12 months. As currently the outstanding balance is £189.62 and if this would be divided into 12 payments then you would have to make 11x £16 and 1x £13.62 payments. Alternatively as a gesture of goodwill we can make you a settlement offer to repay £89.62 in one go before 23rd November 2011 (so we would waive more then half of the charges). Kind regards, Quid24 Support www.quid24.com as you can see i have not responded to them as i have come back to my senses and have decided i shouldnt have to pay them anything , and i retract my last email to them that i offered £10 a month , until i fully understant where i stand ! any help wil be much appreciated.

Hi. I'm currently in a debt of £117.92 with Vodafone. I have recieved a letter today from Bryan Carter Solicitors. Unfortunately, at the moment I'm a full time college student, recieving no income or benefits. I'm relying on the help of my parents to get by. Due to this I'm unable to pay the remainder of the debt. Is there anyway the interest on this account can be frozen, and I will pay the full amount of the debt in September 2013. Thanks

I sent a "I have no knowledge of any such debt with Arrow Global" letter in May 2012. I received a "we are consulting our clients" letter, followed by a letter on xx Dec with an attachment from Shop Direct Group for a Kays Lifestyle account opened xx/xx/xx showing goods £xxx, Payments £xx and a default date of xx/xx/xx. (I have omitted the dates and amounts as I am not too happy about revealing too much on the forum (you never know who is reading it!) as I am working on behalf of a relative. It does not show what the goods were, if they were received, date of payment received etc. Does this actually prove the existence of the debt or am I entitled to more information? I am not sure what my next step is now. Can anyone advise me on this. Thanks

Hi all I have a very similar issue to this thread Bryan Carter Solicitors acting on behalf of Arrow Globel Guernsey Ltd have been chasing me for £679 for some time. I was first contacted regarding this debt around 6 months ago, they were wanting me to confirm who I was. I ignored all these phishing letters. I then received several letters threatening litigation which I also ignored as the wording was always "we may". The next letter I received dated 12/07/12 was a notice of balance reduction. They had reduced what they wanted to £499. On the 28/07/12 I received court papers from Northampton CC for the following; Amount claimed: £499 Court fee: £30 Solicitor's costs: £50 Total amount £579 Particulars of claim. The claimant's claim is for the balance due under an agreement which is now all due and payable. The defendant agreed to pay monthly instalments under account number AGGLXXXXXXXXXXXXX but has failed to do so. And the claimant claims the sum of 499.00. 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. I have sent an acknowledgment of service online. I am today sending the following to Bryan Carter via recorded delivery. PLEASE CONFIRM THE CLAIM IS BELOW £5000 Re: (Claimant's name) v (Your name) Case No: CPR 31.14Request On (date) I received the Claim Form in this case issued by you out of the(Name) countycourt. I confirm having returned my acknowledgement of service to the court inwhich I indicate my intention to contest all of your claim. Please treat this letter as my request made under CPR31.14 for the disclosure and the production of averified and legible copy of [each of the following / the] document(s)mentioned in your Particulars of Claim: 1 The agreement. You will appreciate that in an ordinary case and by reasonof the provisions of CPR PD 16 para 7.3, where aclaim is based upon a written agreement, a copy of the contract or documents constitutingthe agreement should be attached to or served with the particulars of claim andthe original(s) should be available at the hearing. Further, that any generalconditions incorporated in the contract should also be attached. 2 The deed of assignment. 3 The notice of assignment including proof of service. 4 The default notice. 5 The termination notice. (not mentioned in the POC but no harm asking just might not get) Although your claim is for a sum which is not more than £5,000.00 and willin all likelihood be allocated to the small claims track for determination uponmy delivering a defence, at this moment in time I have not delivered my defenceand the case has not been allocated to a track. In consequence the provisionsof CPR 27(2) are of no effect and you should not seek to avoid compliance with your CPR 31 dutiesby claiming otherwise You should ensure compliance with your CPR 31duties and ensure that the document(s) I have requested are copied to andreceived by me within 7 days of receiving this letter. Your CPR 31 duties extend to making a reasonable andproportionate search for the originals of the documents I have requested, thebetter for you to be able to verify the document's authenticity and to provideme with a legible copy. Further, where I have requested a copy of a document,the original of which is now in the possession of another person, you will havea right to possession of that document if you have mentioned it in your case.You must take immediate steps to recover and preserve it for the purpose ofthis case. Where I have mentioned a document and there is in your possession more thanone version of that same document owing to a modification, obliteration orother marking or feature, each version will be a separate document and you mustprovide a copy of each version of it to me. Your obligations extend to making areasonable and proportionate search for any version(s) to include an obligationto recover and preserve such version(s) which are now in the possession of athird party. In accordance with CPR 31.15© I undertake tobe responsible for your reasonable copying costs incurred in complying withthis CPR 31.14request. If you require more time in which to comply with this request you must tellme in writing. You must tell me before the time for compliance with thisrequest has expired. In telling me you require more time you must tell me whatsteps you have taken and propose to take in order to comply with this requestand also state a date by when you will comply with this request. In additionyour statement must be accompanied with a statement that you agree to anextension of the time for me to file my defence. Your extension of time must benot less than 14 days from the date when you say you will have complied with myrequest and you must state the new date for filing my defence. If you are unable to comply with this request and believe that you willnever be able to comply with this request you must tell me in writing. Please note that if you should fail to comply with this request, fail torequest more time or fail to agree to an extension of time for the filing of mydefence, I will make an application to the court for an order that theproceedings be struck out or stayed for non-compliance and a summary costsorder. I do hope this will not be necessary and look forward to hearing from you. yours faithfully (print name) I guess its all a waiting game now. So what should I expect to happen?

Hi all, B Carter are acting on behalf of Arrow Global, who have for some time alleged I owe them over £350. a few weeks ago BC sent me an offer saying they will knock £50 if I pay immediately. I have now received court papers from Northampton for this alleged debt and bizzarely the court and solicitors fees add up to the original amount. What is going on here? They are also not claiming statutory interest, why not if they think I owe this debt? This allaged debt is from 2006 and yes, it shows on my credit file (until 2007). I dont really know how to proceed. Its all CC charges and interest on charges (CC is not from Arrow either). Really annoyed by whole situation. Anyone any advice or similar experience?

Hi any help would be welcome, i have a few debts and a few are with lowell but get others to collect i left all my debts at my prevous address, as could not afford them, wrong i know, but a few have followed me as i got a few quotes for insurances in past but dont know how they have obtained my new address, as first i have not fill in voting forms so they cant trace me through that, most debts will expire this year and letters if i have received i have put sender not here, another lie i know, but got one with no return address, a grey letter i iusually check online usually po boxes are debt or have orange lines across enevelope but double check, it was from bryan solictors, and gave deadline 7 days just before christmas, otherwise they take me to court, i read so where that it is last date when made payment or is date of default this was 04/2007 so should be off this time. i cant see if they do take me to court why they have left it to last minute, or do they have no chance, any help like i said will help do i jsut say never recieved any letters, and would court then see rest on my credit file as they are all of this year last one in june. lastly i have a judgement from northampton court 10/2007 could this come to light if bryan carter take me to court as read it is same court they use if thats true, but you see a lot on web and dont know what to take in also when does a judgement go off heard it 7 years not 6 like a default. anyway hope anybody can help me and what to do if worse happens thanks

I moved to Northern Ireland from England in 2007. To be short, I wasnt in the best of health mainly due to the job I was doing and just packed in my job and left quietly without telling anybody where I was going moved to NI to be with my partner who I had met online. I didnt bother notifying my creditors as I figured id be unemployed for a while and so wouldnt be able to pay them. In 2008 I received a letter from BC demanding £50 a month for a court order they had obtained in payment for my MBNA card. They pretty much wanted this money yesterday so I phoned them to tell them I didnt have it. The conversation went pretty much like this:- Me:- I dont have this money Them:- Well then we'll turn this over to the bailiff. Me:- Just before you send anybody round I have a mental health condition that makes me prone to violence. Them:- Youre making threats there. We will report that to the police. Me:- I have threatened nobody. Im just giving you all the information you need to make the correct risk assessment to protect the welfare of your employees. Them:- We have a court order for this amount. We can send a bailiff round if we want to. Me:- How did you get a court order? Ive never received a summons. Them:- We summonsed you at your address ********************** in Manchester. Rather than have any hassle I made payments on the account for a while and then they sent me letters saying I hadnt paid and demanding more money. At this stage I had done my legal homework and was a bit better prepared when I called them. This time the conversation went like this:- Me:- Ive already paid and I can prove it. Im not paying any more. Them:- In that case we will pass this on to the bailiffs then. We have a court order. Me:- From which court? Them:- Northampton County Court Me:- When was it obtained? Them:- January 2008 Me:- In that case your judgment is illegal and unenforceable. I moved to Northern Ireland in February 2007 and its illegal to bring a civil prosecution against a person in an English court if they dont live in England, in the same way it'd be illegal for me to prosecute your company in a Northern Ireland Court. Them:- Well we didnt have a forwarding address, so we prosecuted you at the ******** address in Manchester. Me:- Really? Thats another offence under the outlawries bill. Them:- The what? Me:- The bill to prevent clandestine outlawries. Its a piece of legislation that dates back to the Anglo-Saxon days when failing to answer a summons meant somebody was declared an outlaw and could be killed on sight without fear of legal redress. Them:- Well im sorry about that but we have a judgment and if payments arent made then we are allowed to bring a bailiff in. Me:- Well go ahead and do that, if any bailiff sets foot on my property they will be going away in handcuffs. Them:- Why? Theyre allowed to do their job, its not a crime. Me:- It is in Northern Ireland. The legal system in Northern Ireland doesnt allow the operation of private bailiffs. In the event you had a judgment from a Northern Ireland court you would contact the enforcement of judgments officer at the High Court in Belfast, but he would only seize goods as very last resort. If you send b ailiffs around the minute they set foot on my property they are burglars and... Them:- How would they be burglars! Burglars are people who break into your property and steal things! Me:- The definition of burglary is trespass with the intent to committ a criminal offence. Your bailiffs are not welcome on my property and have no authority to enter therefore the moment they set foot on my property intending to seize goods or recover payment they are committing burglary and I will see them being taken away in an armoured landrover with handcuffs on. Them:- Ill need to speak to my manager and ill get somebody to give you a call back. Me:- Dont bother if the conversation is going to take a similar tone to the one weve just had. The law is on my side on this one. This was the last conversation I had with them until 2012 when they phoned me to ask why I hadnt paid. I had actually sent them a letter explaining I was being made redundant from my job and wouldnt be able to make payments until my situation had changed. I havent heard from them since. Knowledge is power!!!!

I defaulted on my capital one credit card the amount being 1000 pounds. reasons at the time myOH had left and I was very ill but didnt know with what,labelled a nervous breakdown for a year,I new it wasnt.family in crisis life turned upside down.I worked but it wasnt enough I got into debt,but eventually resumed payments and now have fair to good credit score,no defaultsfor several years[capital one never registered my default],reducing my other debts steadily.Odd no default recorded by capital one.I dont know why because they and there agents harrassed me with phone calls early morning late evening,even robotic recorded messages to ring them , was afraid to answer the door in case it was them.Iwas ashamed embarassed,my children went off the rails and I was diagnosed with parkinsons disease in my 40's,I then began medication fuzzed my brain felt worse ,couldnt cope with CAP1 so ignored them.Storys different now,I need to deal with this confusing mess. Defaulted 2009 Passed to D collectors,first of many changed frequently most are listed here in other threads treat it ,like a game of ping pong with lives they care nothing about. Was offered 30% reduction but they wanted it in one payment and time frame was impossible for me Have never spoken written or aknowledged this debt to any of these DCs [by phone or letter]or anyone until this moment. Christmas is coming Mr Carter arrives just my luok, but Im not hiding and I will enjoy my Turkey but heeeelp please What do I do had this letter what will he do next its a Final warning, acting for lowell court action pre sue.Hope your not closed for christmas,Were do I start with this Ive gathered my papers together,why havnt caiptal blighted my credit record

Had a Cap one credit card which was taken over limit due by their interest (limit was £200 and never spent more than that and have never used the account for over 7 years but continued to make min payment until I was struggling). Bryan Carter are now involved and have issued court proceedings. Have rung them and they refused any offer unless i can pay the outstanding within 3 months which I can't as it has accrued so much. I also have PPI on the Cap one account. What is the best way to proceed please? I am fairly sure that the charges and PPI on the account will be far more than I owe or at least pay most of it off but who do I write to, what do I do about the fact that they wont accept an offer and insist on taking me to court? I haven't received the court papers yet but the letter they sent said I will receive within 48 hours. Thanks for any advice

Hi, I am new to the forum but I could really use some good advice. I have been reading some of the posts which I think may be relevant to me and have used some of the information already provided but could do with a bit of help if you don't mind? I received a letter last week from Bryan Carter Solicitors stating that a County Court Judgement was entered against me on 23/10/2012 in respect of a debt for £327.96 with Arrow Global. This is the very first letter I have received regarding this. I don't know who Arrow Global are. I emailed Bryan Carter immediately and received a letter 2 days later stating the debt relates to a credit card debt with Capital One. Apparently the agreement commenced on 31/01/2009, and that the last payment of £1.00 was received on 19th August 2009. They state they sent previous letters and made telephone calls but this is not true. I have received nothing from them at all. I then found your forum and read some other posts. I contacted the court and they sent me forms to ask to set the judgement aside which I have returned to the court yesterday. I have also asked Bryan Carter for a copy of the original signed CCA. They replied advising I needed to request this from Arrow Global, again I have done this yesterday. I have also obtained a copy of my statutory credit report from Equifax & Experian. I have accessed the Equifax report online and it shows a debt with Arrow Global for £240.00 It does not show any payments but states a default in September 2009. Bryan Carter have now sent another letter requesting payment as required by the judgement. They state payment is now due today. What should I do now? I do not want bailiffs coming to take goods to the value of the court order. I am currently on Income Support. I have also been in contact with Royal Mail as it turns out my post has been going to an empty house 2 doors down from me and I have no way of accessing my mail that has been sent there instead. If anyone can help, I would be very grateful. Thanks.

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.

hi all, earlier in the year i had a £250 loan with cash genie which they wanted £325 back with interest. i got in a bit of money trouble and agreed a repayment plan with them and they agreed to freeze interest etc so i paid back 10 monthly installments of £32.50. i paid all of these for 5 months with the 6th month failing ( another place wiped my account ) but 8 days later with my balance with them left at £162.50 they took £160.10 in 4 payments from my account which i accepted as i owed them the money. then on the 8th of november i received an email from carter forbes saying on behalf of cash genie. i checked my cash genie account and it said i owed £2.40 so i printed off the page showing it and emailed carter forbes back saying my account was paid and there must be a mistake. then today i got a reply saying my balance is £555 pounds but they will accept £225 today and wipe the rest of the charges if i paid, i have just replied to them stating what i have as in bank records, repayment plan emails and and a copy of my balance on the cash genie account on the 8th nov 2012 saying it was £2.40 ( thay have also today added an extra £225 on my cash genie account so it says i owe £227.40 now lol) and i am happy to pay them the £2.40 and am waiting to hear back surely they cant be allowed to do this for £2.40

Hello I have today received court papers from Northampton County Court and also a letter from Bryan Carter stating that they have started litigation procedures against me. The claim form states that I agreed to pay monthly installments but have failed to do so. The amount is £767.18 and then with fees brings it to £892.18. I have never heard of Arrow Global and best of all the Bryan Carter letter and the court papers have been issued to an address that I lived at 12 months ago. I have moved twice since then. Its only because my friend who now lives in that property passes any mail onto me that I even know about this. I do regular checks on my Experian and Equifax reports and have never seen this debt on there! Im really concerned as to what this may be as I am about to start Maternity Leave and will be on SMP so do not have this kind of money. I am not aware of this debt at all. Am I able to defend this claim and send a prove it letter? Im worried about the correct procedures and being 35 weeks pregnant, I am struggling to get out and about to get to CAB. I also need to get this sorted asap as once my baby arrives I may be more likely to miss deadlines etc. Any help would be greatly appreciated. Many Thanks

Hello there,please can anyone help me with the following.... I have a debt that iv been ignoring now for a year....silly i know.... Iv had the court letters issud from Nottingham but didnt fill them in,then had the "Judgment For Claimant" letter from the court stating how much i owe and how much to pay each month.... I suppose iv been nieve thinking that there just fake court letters from Bryan Carter to frighten me.... I then got a letter this morning from Bryan Carter saying "WARRANTY OF EXECUTION"....there a warraant number after this.... This is when i googled for some explanation and came acrcos this site where iv read simmilar storys to mine....EG.the letter states YOUR ACCOUNT HAS NOW BEEN REFEERED FOR ISSUE OF A WARRANT OF EXECUTION....then it states the same warrant number at the top of the letter....and....THE BAILIF WILL NOW ATTEND AT YOUR PROPPERTY.... Reading some of the other posts it says that there cant be a warrant number as the account has been been refeered for one,and this is a trick to get you to call BRYAN CARTER which the replys say not to.... So upon reading some more replys,i called NORTHAMPTON County Court,i gave them the Claim No and they comfirmed the CCJ was issued against me and the dates/ammounts matched so the CCJ is legit.... I then told the clark about the letter from BRYAN CARTER and he said that there was no warrant issued.... At the bottom of the BRYAN CARTER letter it says that,If you are unable to pay in full then we may be able to aggree an instalment plan....then....You must contact us immediatly if you wish to avoid the Baliff calling at your house.... So my question is,even tho the CCJ is legit has BRYAN CARTER sent me this letter just to scare me into calling them to set up a payment plan in a similar way as in the past with other letters of a discount or setlment offer....? Ive read not to deal with BRYAN CARTER but only deal with the court but the court clark says there has been no warrant issued....So what next?.... Iv also read that if the warrant is issued by the court then i can susspend it for free as im on benefits?.... Id just like to be back at the stage where i have to subnit the court forms with my ins and out goings for the judge to decide how much i can afford.... Thankyou for taking the time to read my post....

I have a large outstanding debt with natwest, i originally contacted natwest who told me that they would not accept my repayment option. i was then passed to Allied international who i completely ignored. they eventually stopped all contact with me and i recently started getting letters from fredricksons international again demanding the debt. the address they have always had for me was my parents, which i had used when first opening my account. but since then frederickson have managed to send them directly to my own home address. i have been ignoring frederickson after reading several bad stories and comments about them on here and other sites. earlier this week i received a letter from Bryan Carter about it. My issue other than the debt is that i dispute how much it is, originally account was a student account and my overdraft was £1250, when i finished uni a "friend" who worked for them, transferred my account to a Gold advantage, this started incurring charges and the interest was ridiculous. i could never put enough in there to start reducing the OD and struggled most months to even make the minimum payment on time. this got out of hand when after my second daughter was born, i missed a month completely and could never catch up with my repayments. as things spiralled, i buried my head in the sand and tried to pretend it would all go away - stupid i know. i called cccs around Christmas time, but never followed through with it and i have got another phone appointment with them on Monday to see how and if they can help me. the debt now stands at £1999.90 and has been frozen at that amount. Are there any suggestions/ letters/ ways of approaching this, as now I have unburied my head and am facing up to my debts. i have already managed to clear £1500 worth that i had also accumulated, but this is the biggest one i have left hanging over me.

Hi all, Newb here. I'm in the same position as a lot of other posters, having received a claim form from Bryan Carter/Arrow Global through Northampton CCBC on Friday. Having read through some of the threads on on here, I've sent off the acknowledgment of service to the court and sent a CPR31.14 request to BC from the template I found on here. The sum is £299 +£15 court fee + £50 solicitors costs, with no interest claimed. What happens next? p.s. I signed the CPR31.14 request, I hope I didn't make a boo boo there.

Hello all Hoping for a little advice. Have received a claim from Northampton from Bryan Carter on behalf of Arrow Global. The original debt was from MBNA and the claim is for this plus costs totalling £579. The particulars of claim mention an arrangement that I can only assume refers to the original credit agreement with MBNA but does not mention them by name on the claim form at all. Just wondering whether I should have had a letter advising the debt had been sold(I assume again) to Arrow as they are the ones taking the action when they are not the original creditor? I am not disputing the debt and probably don't have much of a case to dispute the costs either apart from I only get the letter advising of legal action from Bryan Carter today the same as the claim The letter ask to call him to discuss the matter so should I do this first before I answer the claim to try and resolve it? Any thoughts/past experience with this company and how they operate would be useful so I can decide what to do would be useful. Thank you