i am trying to get debts in order and went to offer these £25 a month... Story is.. Bamboo loans £4527.71 from a loan taken in November 2016. Original opening balance of £5259.11 from a loan of £3000. Paid monthly until June 2017. Defaulted and paid nothing since, to be honest took a bit of debt out late 2016 and realistically don't know what I was thinking as there was no way I could have paid all back long term when I look back now. Have a statement from Wilkins, lots of £12 charges since missing payments from June 2017 too December 2017. I have asked for also a statement for 2018. Wilkin Chapman threatening legals, I offered £25 a month but they said fill in a i+e form first which I refused to do.

Hi I have had an ongoing battle with Lantern (motormile) trying to chase for an alleged Lending Stream Debt. I have provided them with a statement from Lending Stream showing a £0 balance outstanding which they have ignored and i am now receiving threat emails from Wilkin Chapman's "Lantern Team" saying they can't discuss by email due to data protection. I have sent them the same statement i have sent to Lantern and i'm certainly not calling them. Is there a templated response to an email? This is what they sent me "Good morning Thank you for your e-mail, we can confirm that for Data Protection reasons we are unable to discuss details of the account by e-mail without verification that you are the account holder. Please contact us on 01472 253965 or please respond confirming your full name, the first line of your address, postcode and your date of birth for confirmation. We apologise for any inconvenience caused and look forward to hearing from you within seven days. Yours faithfully"

Hi Everyone, I've been trawling through posts to see how I tackle my problem. I'll give the background of the debt followed by the steps I think i need to take, if i've understood things correctly, I would be very grateful for confirmation and any advice, as I'm really terrified of the consequences. Original agreement:- mbna credit card taken out in July 2001. Managed comfortably for nine years, career change put me in big trouble, couldn't pay. Tried to amicably arrange agreement with Default date May 2010. Assigned to Arrow Jan 2012. Today claim form arrived from Northampton court. Claimant:- Arrow Global Guernsey Ltd. Date of Issue:- 12th August 2014. POC:- The Claimants claim is for £18k being monies due from the defendant to the claimant in respect of a regulated credit card agreement between the defendant and Mbna (No. ................) and assigned to the claimant on ../../2011, notice of which has been provided to the defendant. The defendant has failed to make payment in accordance with the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974. The claimant claims the sum of £18k The claimant has not included interest. Arrow are the debt purchaser and claimant. I did receive a notice of assignment from Arrow. A default notice from Mbna was issued in june 2010 (the only one, no subsequent statutory default notices). There were no real disputes with Mbna. The interest rate on this card hovered around 5% mark for several years as I remember, with a sudden progressive rise up to around 40% in a relatively short period. The PPI was a % of monthly amount outstanding. I made a call at the time when I was keeping up regular payments, to get this stopped because it was so expensive, and was fobbed off. As I understand matters I need to do the following:- 1) Send SAR off to Mbna with £10 P.O. 2) Send CCA to Arrow with £1 P.O. 3) Send CPR 31.14 to Wilkin Chapman Solicitors (Arrow's Solicitors). 4) Respond to the court claim. Any advice would be more than welcome here and in particular with relation to the response to the court. Many thanks.

Hi i have an ongoing dispute with Npower since April 2013 when they turned up at my rented property with a warrant and a bailiff and removed on of two meters. (its a large house that i rent out to multiple occupants). i found out they were chasing a debt between 20011-2013 when tenants were occupying the premises. Tenants claim they contacted Npower, but Npower deny it. Tenants deny Npower ever came for a meter read and i believe them as the meter is locked away in a cellar behind a number of locked doors. only one tenant has key to this. But by Dec 2012 i personally had been contacting npower at least 3 times with proof and meter reads, though i never had sight of any bills. When the meter got taken i discovered to my horror that they were chasing a bill for £14000. They only informed me of this a week after taking the meter and doing calculations. By December they gave me reproduced bills and now these total £17000 with interest and collection charges. there has been communication from both sides over the last year and over the last 4 months i heard nothing from Wilkin chapman and i changed address. lo and behold, i check my credit file on the weekend and discover a default ccj for not replying to their court summons last month. The ccj papers have not arrived yet and i have a form N244 with me to send off imminently to get the case infront of a judge hopefully asap. When i am writing my defence it is running to 3 pages and i wonder.... Do i write my complete defence with appendices in the n244 or will all this be requested off me at a later date? my main points for the n244 are that i never received the papers so am replying now requesting a hearing. my main defence from npower billing stems from two points, firstly their claim of a deemed contract and secondly..back billing clause. i can be more specific later but just to summarise, they claim i am on a deemed contract, yet i never had sight of any bills or any communication addressed to me eventhough by dec 2012 i have recorded delivery accepted letters from them which had all my details and details of tenants. The tenants have also written to them to change account in their name, i have copies of letters. They have charged me double the rates when normal bills are around £1500pa in this rented property. All the bills including the warrant were addressed to a tenant who left in 2010 even though they started a new account shouldnt it be in the name of "the occupier". They then rolled over the deemed contract at double the market rates at the time..i thought they were allowed to only roll over for a year.. They call it a micro business but now have reverted to a residential property account and in some cases VAT of 20% has been adjusted..but in others it isnt. Either way interest and charges have increased so i am no better off. But surely now there is more stringent legislation for a domestic consumer that i can rely on? Next i am claiming for Back Billing.. the bills were only given to me in April 2013 or rather dec 2013 (they took 6 months to calculate after they removed one of the meters) When i looked at the bills i discovered that the meter reads were 99% estimated and VAT applied at 20%. I contacted them and they removed the 20%vat for a micro business but there was no reply on the meter reads. I noticed the meter reads were inaccurate, often going backwards and two meter reads being mixed up causing apparent spikes in consumption. This has been verified by accurate bills from the supplier who took over from them. i have copies to post with the n244. The warrant they applied for was in the name of the former tenant but still they barged their way in and took the meter. They took the meter that was for the adjoing property (they are linked) so took the wrong meter and left tenants in the house without gas or heating/cooking facilites for a few days till i could get it sorted. They never responded to these parts of my query..surely this is negligence. Anyway, i am now sitting on a n244 and i know to send it with a fee of £155 for it to go back to court but am wondering..how much detail can i put in the form.. shall i enclose all their bills that show estimated reads..and show where the discrepancies are? or leave it to directions hearing or a further witness statement? if you could please advise a little that would be really appreciative..i would of course be hiring a solicitor as well but i think this n244 is urgent. thanks

Hi Guys, I hope you are all well, and still fighting the good fight Once again, I seek your help on behalf of someone else. Attached is a copy of the letter from the above company. A notice of assignment was received a few weeks ago. WC were told, by e mail, that the person concerned didn't live here. They sent one back saying that, as far as they are concerned, they do. Roll on to yesterday when this arrived. There is a brown envelope with the word ''defendant'' in the window, which I suspect is the court letter. This account defaulted in April 2008 for around £6000. I seem to recall in the past that Arrow offered a discount if this account was settled, but my partner, following advice on here, ignored the letter. Now this has arrived. She is still at work, so I am trying to get things in motion for her before she comes home. Any suggestions as to how to proceed with this? She is so close to it being SB. Any help will be very gratefully appreciated. Regards, Buncrana I should add that this is a credit card debt and that there is no CCJ against it, never has been. Given the time that the card was issued, 2001, I also suspect that there are charges etc levied on the card before the default. She was also paying it off through the CCCS, but due to various circumstances, this fell by the wayside.

Hi all I have recently had the delightful Scotcall get in touch with me about a former MBNA debt of 5K+ Some time ago I got a letter from MBNA stating they could not locate a credit agreement so would not be pursuing the debt. It was then sold to Aegis who backed off and now some years later Scotcall. After requesting a credit agreement they have sent a photocopy of an agreement signed in a supermarket- not an agreement as I would define one. Any ideas on where I should go with this??

Had a good job, career, home, money, etc. Then had a prolonged period of inactivity, debts piled up, not opening letters, spiral of anxiety and stress. blah, blah. Now, for past year or so, been earning, and getting back on feet. Looking to start paying back, and deal with all my debts. Have done as much due diligence as I can, and need some pointers. I have a number of creditors, with debts totalling around 45K. Have been paying token payments of £1 to most, some more. Looking to get StepChange advice and help. But also need some idea of full and final offers to really motor down the debts. So, as a starter, here are some of my most pressing questions: 1: I am having difficulty filling in my Income and Expenditure, as my income fluctuates. (I am working freelance, as am probably too old to be employed by a company.) I am wary of entering payment schedule and failing. Prefer to keep paying token amounts, then offer surplus every 6 months or so. Would creditors go for this? 2: I understand the first step may be to get CCAs from my creditors. Are there any downsides to asking for CCAs? Would creditors sense that I am trying to wriggle out, and go for asking for more, or get heavy-handed? 3: Are CCAs only for debt companies, or even the Originating creditor? (some of my debts have been off-loaded to debt-companies.) 4: What is the purpose of SARs? How does that help me? I understand they might be for finding penalty fees, etc? I know I accrued a lot when I couldn't pay any amounts when I started my downhill slide. 5: When offering Full and Finals, do I go for the biggest first? 6: I have been sold from one debt-company to another on some debts, I dont know what I am paying for on some of the payments!! Can I just phone them up and ask where the original debt comes from? (I have signed up with noddle, and got my list of creditors and credit file, so I have a starting point. I have been reading this forum for a few days, and have built up some knowledge, and seen how helpful this site can be. I would like to ask for some help in taking the first steps for an eventual bright future. PS: would it be ok to list my debts (with some fudging to protect myself) as a starting point?

Morning Guys, In the post this morning I received a letter from Wilkin Chapman LLP (Arrow Team) with regard a CCJ taken out by Arrow in early 2010 (the claim number matches the one on my credit report although the amounts differ? CCJ £9266, AG/WC £8946.33). I am sure that this is an old CC debt. They have supplied a Notice of Change of Solicitor and a personal financial statement (which of course I will not be filling in). I am sure that I did not inform the OC of a change of address in 2008 (home repossessed), so no chance of a set aside. The debt itself is SB but I am aware that this means little with the CCJ. It does state though that "Our client is willing to discuss terms of repayment and consider proposals from you." My question is, can anything be done at this stage to fight the good fight? If not and without filling in the personal financial statement, what sort of full and final offer can I make to them that would satisfy their greed on the amount outstanding or a sensible monthly offer to clear the debt as quickly as possible? As always they require an answer with 7 days before going all enforcement on me. Any advice will be greatly appreciated. Cheers

My partner has today received a letter from Wilkin Chapman notifying of a 'Notice Of Change of Solicitor' regarding an unpaid judgement/order obtaied on 5th July 2012, for £1365.16 and wanting to agree payment terms for this debt... . They have given us 7 days notice of applying for an Attachment Of Earnings with the court and a whole raft of forms to fill in and return to them regarding her personal financial inforrmation We have no idea of what this 'debt' is, who it is from or anything about a court order back in July 2012, there is no mention of which court this order was issued from either.... Help!

The missus has received a claim form from Northampton CCBC for an old Capital One debt. The debt is a couple of months from being statute barred but is full of charges she hasn't yet claimed. She immediately sent the CPR 31.14 letter for the CCA, default notice and NOA. WC's reply states it'll take up to six weeks to get the documents and they'll agree to an extension of 14 days after they send the documents to file the defence. Will WC tell the court that there's an extension? I thought it could only be extended for 28 days. Is this just a sneaky way to get a judgement? Surely they should have the documents in their possession to issue the claim in the first place. Any advice would be gratefully received.

Hi Folks Arrow Global has purchased my credit card debt 1050 pounds, they are using Wilkin Chapman solicitors as their collectors. I wrote asking for a signed copy of my credit agreement with MBNA the original owner of the debt, which they have sent me 9 months later. Now i have other debts and they are being managed in arrangements with no issues. Wilkin Chapman have sent me a personal financial statement,. that wants to know more about what I own who i work for my national insurance number how much is left on my mortgage do i own a microwave, but nothing about my outstanding debts and my other creditors. They say they will not consider an offer of payment from me unless i send them a complete disclose of my entire life. I don't want a debtor knowing where I work! They said they will close the account for 800.

Hello, I was wondering if anyone can help me. About a week ago (i work away, have just picked up my post) I received an e-mail from Wilkin Chapman Solicitors (Arrow Team) offering me the chance to pay off my debts, or they'll advise their client to issue County Court proceedings. They've given me 21 days, although due to only just getting back, that's now 9 days. There are a few strange things about the letter, firstly it doesn't specify what the debt is (although I know where it's from, silly, drunken, student mistakes) and merely state the debt is from Arrow rather than the original loan company. Seems strange to me. Secondly, I'm almost 100% sure I haven't make any contact with anyone about this loan for around 6 years, so could potentially use a statute barred letter? Although I'm not 100% if it has been 6 years. Thanks in advance. Also, have registered for experian, am awaiting the arrival of the pin to check my credit record. If it turns out I have made a payment within the last 6 years and am not eligible for Statute barred, do I have many other options? Michael