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Hi many years ago I ran into debt ( £4500 ) on a Halifax credit card. They sold the debt to Arrow Global who tried to take me to court and obtain a CCJ. I wanted all the paperwork before acknowledging the debt but despite many SARs and CCA requests ( I did everything correctly ) I ended up putting in a defence as they wouldnt give me anything . After many weeks and lots od support on here the debt was thrown out of court. My credit file in now better than ever putting me in an ideal position now to move house and start my life over honestly. I never knew if I had