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  1. Hello I received the attached letter from Shoosmiths relating to a mbna credit card from 2003. I defended a claim at Northampton CC in Sept 2016 they were unable to provide me with any information relating to the debt. I have received the following 1. A letter -copy attached 2. A signed agreement although I'm not sure which card it relates to as I had 3 mdna cards 3.income and expenditure form 4.default notice from IDEM 5.default notice from mbna 6.Assignment letter from arrow Not sure what to do next any advice would be much appreciated IMG_20180417_0001.pdf
  2. I am waiting for action against me with trepidation, I have complex mental health problems including memory loss which means I cannot recall all transactions related to matters over a year ago. Thus, the prospect of remembering the details of DISPUTE which were raised over three years ago. I sent many letters DISPUTING with original lender credit card, but don't have copies. They eventually sold to Arrow Global. They, in turn, have used a succession of collection companies , who I have ignored / returned letters unanswered. I now wonder if original lender/credit card will be able to provide ( or even kept) my letters of DISPUTE ? There are times when my cognitive process is greatly impaired, so I am unable to talk, write, take information in. At other times, like right now, I can compose a short email. Any guidance gratefully received . I think I destroyed my records last year in during a psychotic episode. I take anti psychotics, anxiolytics, mood stabilisers and anti depressants , all of which impair my cognitive function. Original agreement 1995 Last Payment 2011 (? needs verifying ) Default Notice possibly issued 2011 (? needs verifying )
  3. Hi, I'm a new member to this forum and earlier today I received a letter from Maddersons Solicitors telling me Arrow Global Guernsey had secured a charging order on my home. I wasn't aware Arrow Global had secured a charge on my property but I did know MBNA a few years ago put a charging order on my home in respect of my unsecured credit card debt with them. Now Maddersons Solicitors are attempting to get me to repay to Arrow the money owed and this is despite fact I have already made arrangements to repay £554 a month to Arrow Global in respect of another unsecured credit card debt. This letter from Maddersons solicitors didn't tell me anything about where the debt originates from and perhaps I need to ask for full details. All the debts I currently have are in respect of credit card debts and I took these credit cards out before 2007. I have a number of debts all of which I have made arrangements to make repayments monthly and since I'm unemployed and only receiving job seekers allowance I can't afford to make any more payments. I've thought of contacting Debt Advice Foundation for help and would like to know if Debt Advice Foundation are reliable. Any advice would be most helpful because I've found dealing with debt agencies to be a minefield and even finding a good solicitor to help me is proving to be impossible. I can claim legal aid but most solicitors don't accept legal aid.
  4. Hello, As seems to be the case with a few people on here and other forums, I have recently received court papers from Arrow Global on what I assumed was a written off (or statute barred) debt. I am now aware of the standard template and answers I need to give - but I did just have a quick "pre question" - it would appear that I made a "rogue" payment on this account (not to Arrow - but to a different DCA) in 2012 - I had a Standing Order set up on an old bank account - forgot about it - and happened to have enough money in account to pay it - other than that - the previous payments were made in 2010 - I know this is still within the 6 year period - however, it does seem a bit confusing as to "last payment/contact" concerning a debt - I thought I'd read somewhere it was more a case of when a payment was "due" rather than when an actual payment was made? Also - I'm assuming if I made an agreement to repay in instalments with a DCA, then new "due dates" would have been set. I really haven't had any correspondence about this debt for several years - it has not (and is still not) showed up on my noddle credit report. The claim is for a hefty sum of money (more than £10k!) - and I really am in no position to pay it off - even over 5 years. I would appreciate some advice to come to my best case scenario. I will post up the answers to the questions in the next day or so when I get a chance. Many thanks in advance for any help. thanks b799
  5. Hi guys, My father has received a claim form Arrow Global Guernsey Limited - MBNA Credit Card debt on the 25th July 2016. See attachment. The debt is old from 2000, however he has offered £1 a month since last summer which he has been doing so. Prior to this he had a debt management company handling his debts. What steps should I take in order to defend him? Under the particulars of claim is states the contract is "dated on or about Feb 25 2000" Does this suggest they do not have the original contract and so there legal basis for the claim? I need to file the acknowledgement of service form soon, however I'm not sure whether I should be ticking the boxes for "I intend to defend all of this claim", "I intend to defend part of this claim" and "I intend to contest jurisdiction" Any help would be appreciated. Thank you Claim Form_Redacted.pdf
  6. Good evening, When i was a lot younger i ran up quite a bit of debt which became unmanageable once i had children and cost of living increased. paid into a DMP for a few months and then defaulted this was in April 2013. I have pretty much ignored all contact as no one was taking legal action. I have had some discussions with Restons over the phone about this debt as i tired to agree a repayment plan. but could not stick to it as it was un affordable to me. Today i have received a CCJ claim from the for a total of £5131.05. The debt is from an MNBA credit card which i took out sometime around 2005/06 i think. The POC on state that the original debt is from MBNA "dated on or about Feb 2007 and assigned to claimant on Dec 2011. It then list the following two items: 19/07/28 Default balance 5151.05 19/09/2018 Pos Refrl CR -20 That is all that is on there. I have done a lot of reading around and am thinking of defending this claim but my head is spinning a bit with all the different threads i've read. Am i right in thinking that they probably dont have the CCA? I don;t believe that they have followed pre-court protocols as i have not received a letter stating they were due to start legal proceedings. Do i need to now request this information under CPRs and then defend the case accordingly? Am i right that if they can not produce the cca they can't enforce the debt? Thank you in advance.
  7. I have been issued a CCJ which was pursued by Bryan Carter on behalf of arrow global. It was issued in Autumn 2010. When this was being issued I asked for CCA and SAR requests to which I did not get any reply. The debt was just under £4000 but with court fees it came up to almost 4 and a half. I was asked to pay £50. But due to my circumstances I requested fro reconsideration to the court and then it was brought down to £1 per month. I also received a confirmation letter that £1 of payment would be deducted from the information I provided to the court. But I just checked today that the payment was not being deducted and since then I have not received any correspondence from them either. What is my best course of action. This CCJ is going to be off my CRA file by the end of 2016. I have other debts being managed by LOWELL, DLC. 3 BY LOWELL AND ONE BY DLC. I am paying £1 statutory payment to them. I started defaulting in 2006ish or so. But CCJ was issued later. I have no idea who my original creditor is, it looks like a credit card. Please advise as to what should my next steps be: 1) Should I ignore CCJ and wait? 2) Should I contact Arrow global directly and ask for proof? Thanking you in anticipation.
  8. Name of the Claimant ? Arrow Global Limited Date of issue – 15/09/2016 What is the claim for – The Claimant claims payment of the overdue balance due from the Defendant under a contract between the Defendant and Marks and Spencer Financial Services PLC dated on or about Jan 27 2005 and assigned to the Claimant on Feb 12 2013 PARTICULARS a/c no - xxxx xxxx xxxx xxxx DATE ITEM VALUE 29/01/2016 Default Balance 6000.00 Post Refrl Cr NIL TOTAL 6000.00 What is the value of the claim? £6600 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Before 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. Account assigned to Arrow Global who issued claim Were you aware the account had been assigned – did you receive a Notice of Assignment? I believe so Did you receive a Default Notice from the original creditor? I do not know Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Received an Annual Statement in 2016. Not ever received a Notice of Default sums Why did you cease payments? Ran out of money so stopped Debt Management Plan What was the date of your last payment? June 2014 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? Yes I was in a debt management plan from 2008 to 2014 I submitted a CCA request earlier this year, when Arrow transferred the account to Restons, and received the following back : '&More' Credit Card Application form - dated January 2005 (see attachments) Credit Card Agreement - dated October 2013 Credit Card Agreement Terms - dated May 2015 Statement of Transactions - October 2012 to November 2012 I have acknowledged service and said I would like to defend all. I will send a CPR31.14 to Restons. Is there anything else I need to do prior to preparing a defence ? JAN2005 S78Page1.pdf JAN2005 S78Page2.pdf
  9. Hello all, My first post on this great forum - very nervous and very worried. Please correct and advise me if I do anything wrong or don't follow correct protocol as I'm not a regular user of any forum! I had two credit card accounts with MBNA one started 1996, the other in 2001. I believe I stopped paying the full repayments around 2005 due to losing my job and the resulting financial problems and agreed with MBNA a reduced, interest free monthly repayment. Some time later I received letters saying both accounts had been assigned to a debt collection agency who would now be taking over the accounts. I think these were possibly re assigned two or three more times to different agencies over the next couple of years but my memory on these is not so good as I was suffering from severe depression around this time and on prescribed medication. I probably ignored and binned any correspondence from around this time. Most recently, around November 2015, Arrow Global took over both debts and on 05 August this year I have received two Court claim forms (one for each account). I read a few threads and have responded to the claim online at moneyclaim.gov.uk to acknowledge service and stated I wish to defend. Now I'm struggling and worried sick that my head might go again and would be so grateful for any help you wonderful people could provide. I don't think I have a lot of time to respond?
  10. Name of the Claimant - Arrow Global Limited Date of issue – 05 August 2016 Date to acknowledge= 24/08 + 14 days date to submit defence = 06/09 (33 days in total) - What is the claim for – the reason they have issued the claim? 1 - The claimant's claim is for the sum of £1547 being monies due from the defendant to the claimant under a regulated agreement between the defendant and MBNA Europe Bank Limited (No.XXXXXXXXXX) and assigned to the claimant on 30/11/2015, notice of which has been provided to the defendant. 2 - The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974 3 - The claimant claims the sum of £1547 4 - C has complied, as far as necessary, with the pre-action conduct practice direction. What is the value of the claim? £1547 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card account When did you enter into the original agreement before or after 2007? - 1996 Assigned - Debt purchaser (Arrow Global) has issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, but I received a few different ones assigning it to various debt purchasers over the last few years. Arrow Global being the most recent. Did you receive a Default Notice from the original creditor? - Do not recall - I don't think so. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - I don't think so. Why did you cease payments? - unsure - possibly 2010 What was the date of your last payment? - unsure - possibly 2010 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? Explained loss of job and financial issues and agreed and paid reduced, no interest monthly payment to MBNA until assigned to Debt Collection company then no further payments made.
  11. Hi, I'm new to the forum, but have been a long time lurker. First of all apologies for how long winded this is, but I hope I include all the relevant information. Alleged card debt from card taken out in 1998. Alleged debt approx £5k. Card sold to IDEM Capital Securities August 2012 Alleged Card default August 2013. Idem Capital Securities assigned alleged debt to Arrow Global November 2015 About three years ago I received multiple claims for alleged credit card debts, and with the help of this forum managed to get one claim dropped and ended, one victory in court and a few claims stayed, so thanks for the help there! Anyway, one of them doesn't appear to have gone away, and Shoosmiths appear to be applying to Northampton County Court to get a stay lifted and have my previous defence struck out pursuant to CPR 3.4 and obtain summary judgement pursuant to CPR 24.2 they claim I have no grounds for defending the claim. This was my original defence: So my defence was submitted, along with two other defences on the same date. Nothing further was received from Shoosmiths or the courts, and the claims were stayed. I should have asked to have them struck out, but I wasn't fully aware of the procedures, and couldn't afford to pay anything to the courts. So roll on two years and three months, and Shoosmiths start writing to me again, saying they did not receive my original CCA request or CPR18 letter in 2016 (funny how two more were received, and returned, and they were all sent in the same recorded delivery envelope!) They now claim they have provided all of the relevant information, and I still dispute this. Their alleged agreement is an application form for a card around the time I had allegedly taken out a few credit cards. Their "terms and conditions" is a reconstituted partial list, it even says for items X,Y,Z refer to your terms and conditions! They then have another set of terms including MBNA web address details, the web address didn't exist in 1998! Their letters also refer to one credit card number, then it changes to a new card number that they have assigned, which to me just points to multiple pieces of incorrect or fabricated information. I chose to ignore all of this further correspondence, as the claim was stayed. Then earlier this week, they have sent a further copy of this "information" along with a covering letter to me as follows: This covering letter includes a copy of their N244 Application Notice to lift the stay and all previously submitted information. Again, apologies for the long winded post, but I ask, how should I either try to stop this dead, or again defend? I am actually happy to attend court if it comes to that. I read on one of the other threads that this could be submitted. Would I be able to use it as a reply, as it has taken them over two years to get incorrect information that they think they can use in court? If anyone can reply, I'd like to say thanks now, and I will be extremely grateful. Will come back with the results.
  12. Hi everyone, I'm new to this forum and would be grateful for any advice. My mother took out a Virgin credit card back in 2010, she suffered a number serious health issues, lost her job and could not afford the monthly repayment. She continued to make reduced payments, until she was no longer able to afford these either. I carried on paying token amounts on her behalf over the last 5-6 years. The debt was passed on to a number of DCAs but I continued to pay Virgin directly. Recently a letter was sent to my mother titled "change of Agency" from Arrow and one from Shoosmiths requiring a I&E form to be completed for "payment plan review". My mothers health never recovered, to the point where I manage her finances, the only income she receives is ESA/PIP and I top up to pay the bills and rent. If I fill out the form, her basic expenses significantly outweigh her income, so I'm very unsure how to approach this and would be grateful for any advice. Thank you.
  13. Hi all. My mother has received the attached from Arrow. It purports to be for an over payment on a former debt which has been cleared some time ago. I can confirm that the debt did exist. I'm just querying whether this is legit and not some sort of phishing exercise. If it is legit could you advise on next steps? Many thanks in advance. DD Wales
  14. Hello all, My very first post ever on here. Please can I bend ears, pick brains as I'm confused about the letters I've had today. Letters in my maiden name, I was married in 2003. Debt amount 943.43 I understand the letters are stating they are a statement from year 2012 right through to 2018. Stating they haven't applied interest or sent statements and I do understand this with an apology. Original debt citi financial Then it's saying passed or changed to arrow and now cap quest have got the debt. I do recall cap quest contacting me on my mobile a few weeks ago, I didn't recognise number so did a Google search. Didn't ring them back and thought nothing of it. Today came home with letters with different dates from 12 to 2018. Every single ccj or default has been lifted off my credit file 2 months ago. Following a painful debt paying process I can honestly say this has blown me. I'm worried. I have paid everything and now I've got this. On one of the statements in May 2013, it appears I've paid AND I do not recall me ever paying this, but a 15.00 payment has been made..... This has thrown me and no idea what it means. The start of letter reads, fixed term credit agreement, with ms E Maiden name and citi financial. If you require further info or for me type out what they say, each letter is the same, just different years. However, each year is dated 1st May 2012, then 1st May 2013 etc. Checked out the days unless they work on a Sunday.... The only letter that's different is one printed this week. It's ref is remediation of account. It is from Arrow and makes no ref to cap quest apart from saying if wish to discuss at bottom. Stating under rules cca 1974 stating required by law to write and noticed that we haven't written to you. Further saying that a full review of my account and failed to provide me with statements since May 2011. To remidy this, we have compiled all your statements. On the what does this mean to you. It states, this exercise does not affect your account, repayments or your obligations to repay. If anyone knows what it means and what I need to do. Not sure about this payment In 2013 either. Not sure the action to take on this Not sure the action they can take on me. Thank you
  15. first of all - I managed to get another case dismissed back in August thanks to the fabulous advice on here - this latest query is a wee bit different though. My wife has just received simple procedure paperwork today from Arrow/Shoosmiths for a supposed Aqua credit card debt. This is going to be fun as the paperwork was addressed in her maiden name and to an address that she was not living at the time the card was taken out - the address being next door to where we currently live - yes, I married the girl next door! we were married and she had been living with me for over a year prior to this card being taken out - and neither of us know anything about it. personally, I suspect that this has been fraudulently taken out. We have a very open financial relationship so it's not a case of her hiding anything from me. The Sherif officers have delivered to our current address in error obviously assuming that there had been a typo in the address. I can prove that she moved in over a year prior to the card being taken out. She can prove via her banking that she has never paid to an Aqua card. Also we can prove that we were married at the time and that she had changed her name. How do I proceed with this one?
  16. Completely out of the blue Arrow Global have sent me a 'Periodic Statement' in relation to and old MBNA credit card account that they purchased (or so they say) in 2011. This is the 1st communication I have had from them in years! This debt is no longer showing on my CF and it's SB mid 2019. They say I need to contact Capquest which will explain why I've been receiving texts from Capquest. Has anyone on here had the same happen to them and can anyone explain why Arrow have decided to send me this now? Many thanks Fred
  17. I recently CCA'd Moorcoft on a debt that they have been collecting on since 2006. The response i received is below. would appreciate any help on this, thanks. Moorcroft Debt Recovery Limited Moorcroft House, P.O. Box No. 17,2 Spring Gardens, Stockport, Cheshire SK1 4AJ. Telephone 01 61 475 2858. Fax O1 61 477 3864 12th May 2009 Dear M Re: Moorcroft Ref: Client Ref: We refer to your recently received letter requesting data as per Section 77-79 Consumer Credit Act 1974. We duly confirm that we have requested the relevant documentation from our client and once received we will duly forward the same to you. Meanwhile, we duly confirm that all collection activity on the account has been put on hold and we will not seek to enforce payment of this debt until such time as the documentation has been supplied or we have advised you to the contrary. In the meantime, however, we believe that it may be of assistance to all parties if we also take this opportunity to ensure that any potential areas of dispute are addressed prior to any possible court action or further investigation. To this end can you provide an indication of the information you will be relying upon, when giving evidence to the court or information to the relevant statutory authorities in relation to the alleged subject matter of this account. Please could you provide this information by return as this will ensure that all possible areas of dispute are identified as quickly as possible thereby minimizing potential costs and delays. Should you have any questions or require any additional information please do not hesitate to contact us direct on the telephone number shown above. Yours sincerely Mrs K Murray Operational Support Supervisor Registered Office: Moorcroft House. 2 Spring Gardens. Stockporl. Reg. No. 1703704 England.
  18. I opened a current account with HSBC in December 2007. With various problems I had with PDL's clearing out my bank account, I became overdrawn and I changed banks to avoid them having access to my money. My salary went into my new bank account. With some transactions going through, it went into overdraft and then exceeded my overdraft as well. I argued with HSBC that I had requested these PDL's not to access my account, but I was given the old "You gave them your card details and you owe them money". The amount racked up purely with bank charges. According to my credit report, HSBC closed my bank account in May 2010. In exactly 43 days it will be 6 years since they closed the account. It was apparently sold on to Arrow Global in September 2014. Last week I received a phishing letter from Shoosmiths asking me if I was me living at my address. Ignored the letter. Yesterday received letter from Arrow Global saying the management of my account had been assigned to Shoosmiths and I should direct all correspondance to them. Ignoring that as well. Now my thoughts are this is already statute barred, as it would have been a few months between my last transaction/payment into the bank account and when they closed the account. Does anyone have an idea how quickly Shoosmiths ramp up their harrassment from when they send the first phishing letter to when they become more aggressive? I know that in 43 days it falls off my credit report.
  19. I currently have a CCJ against me that was entered into by default judgment in 2014. The initial court paperwork was sent to an old address but was passed onto me, I did submit a defense but it arrived a day late and was struck out and judgment was entered into by default. I was recovering from a serious illness that affected me both physically and mentally and didn't have the capacity to be able to deal with it at the time. The Timeline is as follows: 2010 Default on credit file 2014 CCJ Default Judgement 2016 Default was dropped from credit file but CCJ remains 2018 I sent letters to the claimant and solicitors asking for proof of claim Claimant: Arrow Global Limited Solicitor: Shoosmiths Particulars of Claim: 1. The claim is for the sum of 7545 in respect of monies owing by the defendant on a credit agreement held by the defendant with Sainsbury's Bank PLC under account number XXXXXXXX upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. By virtue of a sale agreement between Sainsbury's Bank PLC and the claimant, the claim vested in the claimant who has a genuine commercial interest. The defendant has been notified of the assignment by letter. Contact drydensfairfax solicitorson : 0113 823 3850 In January 2018 I wrote to Arrow Global Limited at the address on the claim but my letters were returned undelivered. In February 2018 I wrote three letters to Shoomiths, I have proof of these letters being delivered. The first letter: A formal request for them to supply me with the credit agreement mentioned under the particulars of claim under sections 77-79 of the Consumer Credit Act 1974 The second letter: A subject data access request. The third letter: Request for documents mentioned in the statement of case under CPR 31.14 1. The Agreement 2. The deed of assignment 3. The notice of assignment 4. The default warning letter 5. The default notice I gave them two weeks to send me the above. I received a reply from Shoomiths a month later, they complied with the subject data access request and responded to my letters. In their response they stated the following: They confirmed that they have requested the following from there client Arrow Global Limited: 1. Statement of Account 2. Agreement 3. Notice Of Assignment 4. Terms and Conditions They stated that Arrow Global Limited has been assigned the debt pursuant to the Law of Property Act 1925, they stated I am not a party to the agreement and I am not entitled to a copy of the Deed of Assignment, They said that any other information I have requested to be disproportionate and that they do not agree with my timescales and will contact me again once they have received the documents. It's now 4 months later and they have not provided me with any documentary evidence to substantiate their claim. I am hoping to now write to the court stating that I have requested the evidence of the claim, I am yet to receive any and propose to set aside the claim on those grounds. Any advice on how best to proceed here welcome. If they are unable to prove their claim then surely there is no claim? I need some help and guidance on approaching this in the best possible way. Many Thanks
  20. hi all wife received a ccj from Weston super mare court we will ask for it to be set aside as she had no prior notice of action as, after looking into this they buy debt from others. Where would I start with a cca to find out how old this debt is and who it is from do I speak with arrow first - seems logical and then once I know who the debt was originally with i then send out a cca to that firm? thanks
  21. Hi i am looking for some advice on what to do with a court letter i have received. It is from an old credit card from Aqua which i had taken out back in 2013. The Claimant is now Arrow Global Limited who i assume has now purchased the debt. I have until 11.08.17 to reply. Issue Date: 06.07.17 Amount approx: £2288.42 Claimant: Arrow Global Limited Solicitor: Shoosmith LLP Original Creditor: Aqua Credit Card (NewDay Ltd) Particulars of Claim: The claimants are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement ('the agreement') between the claimants and Newday Ltd ("the original owner") dated 18/10/2016, the claimant acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the respondent to the original owner which were in existence as at the date of the Agreement, and in particular in relation to the contract hereinafter condescended upon. The said assignation was intimated to the respondent by the way of a written notice on or around 18/10/2016. The agreement between the respondent and the original owner upon which this action is based was regulated under the Consuer Credit Act 1974. Further information in relation to that agreement is contained in section D4, where we set out the sums due and the basis which the fell due. The Said contract between the original owner and the respondent is a regulated credit green in terms of section 189 of the consumer credit act 1974. it is dated 20/02/2013 and relates to a credit card issued by the original owner for Aqua credit card with the account number: xxxxxxxxxxxxxxx. on numerous occasions between 20/02/2013 and 30/01/2015 the respondent utilised the credit facility created under said agreement by purchasing goods and services on credit using the facility. It was a term of the agreement that the original owner would use statements in relation to the account on a monthly basis upon which would be stated the current balance the minimum payment which required to be made in terms of the said agreement and the date by which said payment required to be made. By the nature of the said agreement payment to be made each month fluctuated from month to month depending on use. The last payment made by the respondent thereunder was made on 27/05/2014 in the sum of £110.00. It was a term of said agreement that failure to meet and payment on a due date would render the account in default and would entitle the claimant to serve notice of default on the respondent requiring the respondent to remedy the breach within 14 day failing which the agreement would be terminated. on or around 30/01/2015 the respondent failed to make payment of a sum which had failed due and the said account thereby entered into default. A default notice was issued to the respondent on 30/01/2015. The respondent failed to remedy the default following upon service of the said notice and the account was accordingly terminated in accordance with that notice. The account remains in default. The sum due in terms of the said agreement amounts to £2288.42. The right to receive payment of the sums due in terms of the said account vests in the claimant. The form asks what documents they may bring to court to support the claim and they have listed.. A copy of the credit agreement, statements of account and notice of assignation will be produced in any defended process to follow hereon. Is the debt Statute Barred? No List any letters you have sent: None Yet Sorry for the long post but i am unsure on how to proceed with this. Should i just admit it and offer some sort of monthly payment? What would be a reasonable offer? I am not sure if they have all the original documents and no evidence was attached to the letter but as above they said the will be produced in court if i defend the case. I am not 100% sure but i think i might have signed an online credit agreement at the time so i assume they will still have a copy of this. Any advice would be much appreciated. Thanks
  22. Today I received a letter from Arrow Global saying they have reviewed my account and I am due a refund of over £800. They say to ring to arrange the process of the refund. It is an 0333 number so I am considering ringing to find out what it relates to as, as far as I know I have not had dealings with Arrow although over the years I am aware that my debts have been transferred to other agencies . I know there have been lots of threads relating to Arrow and similar DCAs contacting people about debt collection but nothing mentions refunds. I am not sure if it is a [problem] but if at some point I have overpaid I would like to get the money back. Has anyone had any experience of this?
  23. Hi everyone, I was wondering if anyone could advise on what I should do with regards to the following. Around 12 years ago due to various issues I found myself in debt for about 35K. I went on a DMP which for majority of creditors is still going, paying off regularly the agreed amount. About 4 years ago MBNA stopped taking the payment, I have now discovered that they sold the debt to Arrow Global. Over the past couple of weeks I have received some letters from Shoosmith on behalf of Arrow for the credit card etc. Would anyone be able to advise if I shoudl ask for a CCA on the debt (I genuinely do not know if MBNA was paid in full or not! but I am doubting even my name at the moment panic is back!) . What steps should I take? Any advice is welcome (sorry if the above does not make much sense but after 10 years of paying things back this has brought me back onto "put your head on the sand mode")....
  24. Hi, A relative has asked for help regarding a credit card debt - original lender HBOS for £5k - dating back to 2012. Last payment made was Nov 2012 and the debt has since been sold to Arrow Global Ltd last year, 2017. A letter arrived today from Shoosmiths (who I can see from other threads are the in- house solicitor for Arrow). I have attached a copy of that letter to this thread. I am trying to offer advice to my relative but I am not sure whether this letter is a legitimate and genuine threat of court action or simply Shoosmiths phishing, given that the debt is rapidly approaching the 6 year point and, presumably, being statute barred. Can anyone offer any advice on what steps, if any, my relative should take at this point? As at today she has made no contact with Shoosmiths, the Court named in the letter or the original lender although she is beside herself with worry over the issue. Any advice is appreciated. Should also mention...the relative lives in Northern Ireland and the letter refers to an 'Ordinary Civil Bill'. docs1.pdf
  25. Hi Ive just received a letter from Arrow stating that my debt with them (which i did not know i had) is now with Restons, I just called restons to find out what the debt was for and was told it was HSBC but passed to them from Arrow, i disputed the debt and was told that they would take legal action, I offered a settlement of £900 as the total of £1750, but it was declined Any advise please Thank You
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