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  1. Hello folks, i have been reading the various posts regarding the M&S cards that were transferred without permission to a credit card with higher credit limit etc to get an answer, but i can't find what i need to know. I have received a court claim form claimant Arrow Global regarding my old M&S a/c. I have not seen a deed of assignment and up until a few months ago the account was still on my credit file as M&S in default, then Arrow added themselves to my credit file for the same sum without me being informed, so I had both. Now M&S have disappeared and Ar
  2. Hello everyone, maybe you can help me. I'm in a bit of a sticky mess. Heres a brief background. I have a debt going back to maybe 2002 an account I and my wife of the time (i'm now divorced, she ran off to America (true story))... opened a Debenhams account and at the point of her leaving me she left me in June 2005 with 5,100 of debt on an Debenhams (GE Money). At that point, not knowing what to do, I joined Kensingtons Financial, who write to all your creditors for you negotiating payments etc. One thing they did successfully with most of my creditors (e
  3. Hi I've browsed through this section looking for an answer to this but can't seem to find one ! I received a County Court summons from Wilkin Chapman Grange Solicitors in July on behalf of Arrow Global, who had purchased some outstanding credit card debt from Capital 1. I filled in the forms online and denied the debt, I also submitted a CPR 31.14 request to Wilkin Chapman Grange Solicitors, they responded to the request and said they would grant an extension of 8 weeks so they could supply the documents and give me time to answer them. It's now been 11 weeks and I still ha
  4. Hi, I received court papers today. The particulars of the claim are as follows. Sum of 6800 (isn) MBNA (OC) assigned (allegedly) to AG States Notice of assignment provided (never received) Defendant failed to make payment in accordance, Default notice served + Costs. Mid Feb I sent AG prove it letter, asking for original CCA - full breakdown of account (interest and charges etc) and a notice of assignment. Early March I received back poor quality photo copy (almost illegible) and T & Cons (reconstructed). Limited statement of account (2 two lines) but No no
  5. Apologies if this is covered elsewhere but there is so much information and commentary I cant keep up with the situations. In my case I had a credit card with MBNA and unfortunately established a debt with them. An agreement was reached to repay the debt and regular payments were being made . For no apparent reason MBNA then sold on the debt and it has been "sold" on several times since and I cant keep track of who and when these transfers have occurred but the common denominator appears to be Arrow Global . When MBNA first stopped taking my payments I stopped making any contributions
  6. Just need a quick piece of advice as waiting for a senior manager from MBNA to phone back. I have a loan with them, and have been paying off an amount each month under an arrangement. I have missed a couple of payments, and received some letters etc. I phoned on Friday to bring the payments up to date, gave a CC number to do this, which they took. They told me on the phone all was ok, now up to date. Later that evening they left a message on my answer phone to appologise but that they didn't realise I was paying with a Credit Card, they only accept Debit cards. So I phoned on S
  7. Hello, I’m looking for some help in sorting out my CRF. I ran into financial difficulties as far back as 2006 but continued making payments as best I could before finally petitioning for bankruptcy in 2009 to get some peace from my creditors. Although it was a relief at the time, the issues have still continued to this day. I want to get my CRF sorted so that when I try to obtain a mortgage later down the line, I don't have too many issues. I was declared bankrupt in February 2009 and discharged in October 2009. Two of my three creditors behaved well, but the third – Egg – con
  8. Hi everyone, I need a bit of help I recently checked my credit score out of curiosity. I discovered a ccj had been issued to me at a old address to the sum of £353 pounds. It was literally sent the week we moved out of my old house so everything was in a bit of a mess with the mail wise. Anyway I emailed wilkin chapman and asked for a copy of the original credit agreement as I do not believe the figure been quoted is correct. This is the Reply I received, We can confirm that once a County Court Judgment has been entered we are under no obligation to provide any docume
  9. Received a court claim for £14,300 for disputed MBNA card agreement assigned to Arrow Global from Restons Solicitors. Card was sold to me at Heathrow airport, face to face in 2002. I seem to remember something about the process of the sale not being normal. But in any case, it is 6 years since any money was paid to this account. I issued a S78 request in December 2007 and did not get a satisfactory response including no terms (not even reconstituted ones). No money has been paid since December 2007. So I think the alleged debt became statute barred at th
  10. Can anyone please advise regarding an Egg loan. Account opened: December 2005 Last payment: August 2010 Date defaulted: May 2011 Original amount: £9000 Current balance: £3500 I recall that the application was done on-line, but they also sent me paperwork to sign before the monies were paid into my bank account. I lost my job about 5 years ago and I did send a CCA request and when they sent my fob off letters, I used the template letters to put the account into dispute. Since then I have received an annual balance statement but hey haven't actively pursued
  11. Hello, Arrow Global via the delightful Eversheds chased us for a debt several years ago (original debt was from 1997). With the expert help from CAG forum members there was a drawn out period of negotiation which ended in Arrow Global discontinuing the claim, just short of going to our local county court. The last payment we made to the debt was on 31st March 2008 - so presently one month short of the SB date! This weekend we received a letter from AG saying they have transferred the management, etc, of this debt to Debt Management Services and that we should contact them. W
  12. I need advice with regards to Bryan Carter solicitors. Bryan Carter took out a CCJ on 16/09/11 for total amount of £1061.29 and the claimant was with phoenix recoveries (shown on judgement). I receive letter on same date of judgement 16/09/11 saying that phoenix has assigned all rights to arrow global which was effective on 13/05/11 and all future payments to go to fredrickson international limited. I then receive letter 28/09/11 from bryan carter to pay them and now the amount has gone up to £1101.29. At the time I was going through a very bad time so didn't even read the l
  13. I have received a Claim form from Northampton court for an alledged debt which has been disputed due to stolen / lost credit card for appx £ 500 plus costs. I have acknowledges service and said i will defend Any help would be appreciated, it is the usual case of lots of telephone calls some time ago..we want your money..I dont owe it.. yes you do,, no help at all. When i defend if i lose am i liable for costs, and if so how much is it likely to be I have never had an assignment and i dont remember a default notice..what is the position on stolen cards and yes it was reported to the pol
  14. Hello caggers, I received a letter yesterday from Arrow Global stating that I owe them over £2800 from a credit card I took out with BOS in 2002. This was defaulted in Aug 2005 following advice from CAB due to unreasonable demands from BOS despite CAB writing to them with my financial statement. Arrow are claiming they bought the debt in 2006 (when I was still at the address the CC was in) but this is the first I've heard from them! I am just checking that considering it is now Sept 2013 and I have made no payment or acknowledged the debt in 8 years, tha
  15. Hello All, Please may I ask for some advice on the following situation (I will try and keep it short!!): I have an old Capital One credit card account that spiralled out of control when I was last unemployed in 2005/2006. I had PPI on the card, however, due to stress and depression I suffered as a result of my unemployment I failed to make a claim for 6months. Once I got my act together and realised I had PPI I tried to make a claim only to be told I no longer qualified as I needed to make a claim within the first month(?) (cant remember specifics its long ago) of unemployment!!!!
  16. I just received this afternoon a hand delivered letter with a order for production of statement of means from the local county court for 4838.38 pounds. Initiated by an Arrow global ltd. I have absolutely no idea what this is about at all. I have never received any correspondence from these people at all! It says I have failed to send a statement of means but I have never received anything from these guys and have no clue what this money is all about!
  17. I need some advice. I received a county court form for a very old HFC debt. I have been paying on and off for at least 10 years to various collection agencies (£10 / month). I have been pretty lazy in sorting this out but I received last week a county court letter (N1CPC). The claimant is Arrow Global, the particulars name TBI financial. The original loan was so long ago I cant even remember exactly how much it was for (I think it was 2K). They are claiming I owe £4300. Can somebody advise my best course of action.
  18. Hi I have recieved court papers from Bradford for an outstanding amount in respect of a credit agreement with RBS. I think I need to acnowledge service to give me 28 days to defend and then send someting to Arrow to provide me with paperwork, though I am unsure as to what to do next, they sent an agreement of sorts to me a while back: http://www.consumeractiongroup.co.uk/forum/showthread.php?128999-CCA-from-RBOS-Valid I am usure if I can defend this and if so, for what reason... Sorry to sound thick.
  19. Hi, last week I received an N1 claim form from Arrow Global for a debt with Citi Financial. I have not taken out any credit apart from a car HP since my youngest was born 8 years ago. I vaguely remember getting a loan with my husband but that was around 9 years ago and it was not for the amount they have stated, or the date that they have out as 2006. I am not sure how to deal with the defence of it. I have completed the acknowledgment of service online and now have to file a defence for myself. I believe that this is statute barred due to the fact I have not
  20. Hi all, I am looking for advice regarding Arrow. I recently got a letter from them after sending them a CCA request saying that as this is a mobile phone debt (didnt know that when i sent it) they do not have to provide a copy of this as they are exempt. This i understand to be true. So i sent them a prove it letter as they have registered a default on my CRF. Asking for a copy of the default notice issued and a NoA of assignment as i know i was never sent either. Proof I owed the account and a statement of account with a breakdown of charges and interest ect. I received a lette
  21. ]Hi guys, This is my first post on here so please be kind. I defaulted on a Mint card way back in June 2007 for £4,500. At that time I was in dispute and refused to pay monthly payments until this was sorted. I then heard NOTHING for five years and for the first 18 months of that the debt appeared on my Credit Expert file as an ongoing 3 ball. last year however, I received a letter from the dreaded Arrow Global who informed me they had 'bought' the debt from Mint. I asked a barrister who informed me that selling a debt is unlawful, but non the less they are still taking people to cou
  22. Hi, I hope someone can really help me. I have received a letter from Rockwell Debt Collection Agency on behalf of Arrow Global Ltd saying that I owe in the region of nearly £14K. I have absolutely no idea what this debt is for or indeed who Arrow Global are. Any ideas on what I should do? Regards Steve
  23. Hello, I have a county court claim form (scan of front page attached) filed by Drydensfairfax with Arrow Global Guernsey Limited as the claimant. The claim is for £10,478.26 + costs + fee = £10,768.26. This is for the MBNA credit card which I originally asked for assistance concerning in Feb 2011 (see posthttp://www.consumeractiongroup.co.uk/forum/showthread.php?293514-MBNA-Allied-International-Credit&highlight= - that was with AIG and I never received a response to the SAR request at that time. I wasn't aware that the debt had been transferred to Arrow Global since. I have received s
  24. Dear All Having received court papers from Northampton from Bryan Carter I sent CPR 31.14 and 18 to Bryan. Today I have received a reply. Part 31 To paraphrase - they haved followed the correct protocol and as it will be allocated to the Small claims Track then part 31 does not apply but they will nevertheless will ask for documentation from their client. Part 18 They do not find my request reasonable (last payment details, charges, ppi) and that my request is investigitive rather than relating to the case but in the sprit (!) of disclosure the last payment made was
  25. County Court papers issued 13/08/2012 with P.o.C of " The claimant claims XXX.XX being the balance of concideration outstanding to it under account Number AGGXXXXXXXX in respect of services rendered to the defendant. Sent the usual CPR31.14 request for documents but only received the usual Carter that they don't have to comply letter and the matter was for a debt collection of an old orange phone bill. Reply dated 24/08/2012. Put in defence that the P.o.C was to vague and Arrow never render any services on the 14/09/2012. Had a letter from Bryan Carter that Arrow has di
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