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Found 260 results

  1. 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
  2. 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?
  3. 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.
  4. Hello all, I would like to ask for some advice. With CAG's help I have been trying to sort out my mum's finance situation recently today she sent me a copy of a Litigation Warning letter from Midas Credit Services that she received. I told her to ignore it as it uses terms like "possible further action" etc etc. The reason for the letter is that my mum has apparently failed to reach a repayment agreement with Moorcroft Debt Recovery; however my mum had a payment plan in place with Lloyds for £1 a month with a paying in book. This was arranged after months of threats and harrassment by Lloyds prompted her to go to the CAB where a very knowledgeable man helped her sort out a new bank account and got Lloyds to stop adding interest to the amount. She took the loan out over the phone in 2006 and was told she would only be accepted if she took out PPI as well. The repayments were over £200 a month but 3 months later she lost her job, the insurance paid out for 1 month after which she turned 65 and was told the insurance no longer covered her!! (This alone makes me pretty angry ) My mum continued paying the installments, INCLUDING the PPI premium, for X amount of months until she rang them and asked if the PPI amount could be deducted off what she owed. I assume they then cancelled the PPI. After a few years of payments my mum then owed MORE than the original amount. ; She was also advised to take out a Gold(?) account with Lloyds as she would be able to get a credit card. She is currently in debt to Lloyds with all 3, 2 are with Apex Credit Management (she is paying a set amount off per month) and the loan is with Moorcroft. Moorcroft rang her after acquiring the debt and said £1 a month wasn't enough and that she should pay more.. she went to CAB and unfortunately the first man had transferred to another branch so she's been dealing with a less clued-up guy that she has to chase all the time. He sent Moorcroft a letter saying all correspondence should be through CAB and offering £10 a month payments. My mum told Moorcroft that she would only deal with them through CAB but they wrote to her saying they've had no letters from CAB and they want their money! Sorry for the long essay but I'm trying to get all the details in (to the best of my knowledge) to avoid confusion. So here are my questions: 1. Can Moorcroft demand extra payments and if not is there a complaints procedure regarding this? 2. Is it worth requesting a CCA, my mum is not disputing the debt but we really have no idea how much she's paid off and whether any fees have been added by Moorcroft or Lloyds 3. PPI complaints; I think it's worth doing this as she was blatantly mis-sold this, especially as it didn't cover her only 5 months into the start date!! However will requesting a CCA interfere with this, should one be sent in before the other? 4. Can previous interest accrued on the loan be written off as well as fees? If we get the PPI refunded and work out that my mum has made payments totalling, say, half the original amount, would it be fair to say she will only pay off the remaining half and not the interest too? My mum thinks that the debt was sold on because she missed a couple of payments and then paid twice the amount the following month. She was told afterwards that this only proved to them that she could afford to make bigger payments I have been with Lloyds TSB since I was born; my mum opened a savings account for me and my brother and I stayed with them ever since but after the way they've treated my mum I've moved to Santander . I would really appreciate any help on this!
  5. 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.
  6. Hi, This is an issue I'm having with Parcelforce at work. We had a package that we needed to ship from the UK to Belgium on a next day service. This was originally booked in for collection from our offices on 18th December last year, and the package didn't eventually arrive until 27th December (it may have been the 28th, but the tracking information is still not updated). I complained to Parcelforce over the phone because I had performed due diligence in searching for the best shipping service and our parcel hadn't arrived next day. The tracking information hadn't been updated either, which was contrary to their statement that they offer a fully tracked service. The service I selected was Parcelforce Global Express service. I was told over the phone that it wasn't a next day service and that they only quote "from" next working day. If I'm honest I was quite shocked I'd been caught out like that, and amazed that it would appear as though a company the size of Parceforce would intimate they're offering a speedy service and use wording to absolve themselves of any responsibility if the shipment was delayed. They also confirmed that they had in fact farmed it out to Fedex - Personally I think that if a company is masquerading as a shipping company they should be upfront about using third parties as this would naturally play a part in altering my business decision to use them as a company or not. For instance had I known they were using a third party and the delivery date was not guaranteed at all, and that they don't in fact offer a fully tracked service I would have not chosen to use them. I was advised to send a mail to parcelforce@parcelforce.co.uk (I don't even believe this is a true e-mail address as it sounds like something they would give out to get rid of customers). E-mailed it a couple of times with my complaint. Had no response, and finally settled on raising a dispute with Resolver. To their credit, they did respond quite quickly. The first paragraph of their response outlined that "most" shipping companies describe their services as "from" but they offered me 50% refund. I went back to them to push our case for a full refund, and they then responded with the most astonishing thing I've ever heard - I disagreed with their earlier comment that most companies describe their shipping services as "from" and listed a few companies that did offer guaranteed services. Their response was that I was mistaken and confusing carriers and couriers. I believe what Parceforce are saying is that they are a carrier and the other companies I used as examples are couriers. My question would be - What is the difference? From looking on line, all I can find is that a carrier collects lots of parcels and delivers them all on one van. Whereas a courier collects your parcel on a given date and delivers direct to the delivery point? That's where I get confused because if Parcelforce are saying they are a carrier, the delivery service I selected was a pickup service delivered to my delivery address. Surely that puts them half in the carrier camp? Personally I find their response in arguing over semantics and terminologies to be quite laughable for such a company, because as a layman how am I supposed to be aware that they are a carrier, and what the difference is between the two? If someone selects a global fully tracked express service with collection from our door, surely it would be reasonable of me to expect that they would provide that sort of service?
  7. 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
  8. 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
  9. Charity regulator finds serious failings at unregistered organisation READ MORE HERE: https://www.gov.uk/government/news/charity-regulator-finds-serious-failings-at-unregistered-organisation
  10. 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
  11. 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
  12. 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?
  13. 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")....
  14. Hi there all. I have a question regarding my account. I had a Virgin Money Account which I was paying off interest only for, for a significant time and one i had PPI on. I was paying minimum payment for some time which meant interest and charges only on it. My business failed earlier this year and I am only now coming out the other side with a salary again. The account has been sold to IDEM and noodle gives the following information. Idem Capital Securities £ 4,471 22/09/2014 Default Name nnnnn Address nnnnnnn Date of birth nnnnnnn Account type Credit Card Account number ******6888 0 Account start date 09/05/2008 Opening balance £ 4,471 Regular payment £ £ 1 Repayment frequency Monthly Date of default 28/02/2014 Default balance £ 4,471 I am now being contacted by Westcot about it daily and in letters. I would like some advice please. 1 - It seems I can still approach Virgin/MBNA about PPI and charges on this card as I believe i have a claim that may be valid. Do I contact westcot and advise them that I will be contacting them or not? 2 - What should be my next plan? I have no issue paying this debt off but i see all this stuff about CCA requests and SAR requests etc a nd I am not sure what I should do, I can ring them up and offer £200 a month not an issue. 3 - Do they have any legal right for me to disclose my financial details to them as in income and outgoings - i can see from other threads that IDEM seem to think that they are in their rights to ask lots however I don't know what westcot will want from me. Thanks in advance!
  15. Help please. I have received a CCJ claim pack from Rentons solicitors in regards to a apparant debt linked to a overdraft I have no knowledge of. I have answered the default questions below. Can someone please offer advice / assistance on what I should do now please. I have completed the Acknowledgment of service on the money claim website so the clock is ticking now. Please help Name of the Claimant ? - Restons / Arrow Global re: Lloyds bank overdraft Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. Date of issue : 04/04/2017 What is the claim for – the reason they have issued the claim? - The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Lloyds TSB dated on or about Dec 30 1994 and assigned to the Claimant on Nov 20 2013 PARTICULARS a/c no xxxxxxxxxxxxx DATE 10/02/2017 ITEM - Default Balance VALUE - 4500 Post Refrl Cr - NIL TOTAL - 4500 What is the value of the claim? £4500 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? - Appears to be a overdraft for a account I have not used since 2011. When did you enter into the original agreement before or after 2007? Yes - appears to be Dec 30 1994 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. Appears to be debt purchaser - Arrow Global Limited. Were you aware the account had been assigned – did you receive a Notice of Assignment? No - I have not received any documentation in regards to the debt - didn't know it existed before receiving the CCJ claim pack as I was working out of the country since February 2011 Did you receive a Default Notice from the original creditor? No - Left the country in 2011 so have received no communication from Lloys of anyone in regards to this debt. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - As above - Nothing received. Why did you cease payments? - Left the country - left account open but was completely unaware of any outstanding overdraft. What was the date of your last payment? - Nothing paid into account or account even used since Feb 2011 Was there a dispute with the original creditor that remains unresolved? No dispute. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan - No communication at all ever had. What you need to do now. If you have not already done so – send a CCA request to the claimant for a copy of your agreement (except for Overdraft/ Mobile/Telephone accounts) - This appears to be for a overdraft - shall I still send CCA ? Thanks in advance for any advice guidance given.
  16. Hi there I have received a hand delivered envelope (I haven't signed for it, don't know if that makes any difference) containing a Simple Procedure Notice of Claim by Arrow Global for an Aqua credit card debt. I have never received one of these before and I am not entirely sure what it is. Is this a fishing expedition by Arrow to pressure me to respond - there are no court stamps on the letter or date to attend court. A Time to Pay application has been included. The amount they are asking for is more than the credit limit as on the card, I assume the balance is made up of fees/late payment charges. If I ignore it what will happen - is it likely to proceed to court? The balance is for £737.00. I took out the credit card in November 2014, Arrow say they purchased the debt from Aqua in August 2016 and that they have sent letters on 2 occasions in May 2017 to which they had no response - I do not recall ever receiving these letters. I did make repayments to the card, but same old story, I got into financial difficulty, they started adding on late payment fees and it all snowballed from there. I am unemployed at the moment and not claiming benefit as my live in partner works full time. I do not receive any tax credits, just child benefit for 1 child. Can anyone help me as I don't really know what to do here. I have until 14/09/2017 to respond. I have been reading the forums but there is so much information on there and I don't know where to start. Thank you.
  17. hi guys - please help with this one... I am based in Scotland... I had a credit card, 2 actually, with MBNA. Stopped paying them, and others, about 4 years ago - as I'd got involved with a company called Credit Issues, who deemed that all of my credit cards were unenforceable, and I didn't need to pay them. I knew it was going to screw up my credit rating, but wasn't too bothered about that - to be safe, I'd say Jan 2016 will actually see everything totally statute barred, so this gives you some idea of timescale, but I've not paid anything, nor had any contact with any DCA in the interim. One card in particular, MBNA = £9000 outstanding approx. was passed between various DCA and eventually ended up with ARROW GLOBAL, relatively recently. They wrote to me last week, although the envelope it came in was branded YUILL AND KYLE - stating they had passed the debt to YUILL AND KYLE, who would be handling this debt for them. SO why did it come in the YUILL AND KYLE envelope?? it was ignored, as per usual. However, YUILL AND KYLE have written today saying they will issue court papers (unsure of exact wording, as I do not have it to hand) if I do not pay within 5 days. Now, I've had LOADS of these letters, and ignore them, as they wording is 'MAY take legal action...' - but this time they say the will take legal action - and reading up on them, I see they're a right bunch, who try every trick in the book - including the mistiming of letters and so on. I've not acknowledged this debt in 4 years, I am sure I have been offered discounts on the debt from previous DCA, which always suggests to me the debt is a stinker and they cannot enforce it, so they're trying to get a few quid, which is better than nothing. Am I correct in this assumption? If this is correct, I'm taking the chance that they are just trying their hand in the strongest way possible. And I will NOT contact them, and will wait to see what they do next. So, question is this, if they do take the next step, what steps, in the right order, do I need to take next? I hear about CCA, prove it letters, SAR and so on, but is there a specific order to these, and to whom should they be addressed? MBNA, Arrow, YUILL AND KYLE...?? And does sending a CCA/prove it request stop any impending legal proceedings, for the time being? And also, does sending a SAR, CCA etc admit any liability for the debt whatsoever...? I'd dearly love to sit this out and for it to go away once it becomes statute barred, and drop off my credit file, so I can start rebuilding my credit rating again. Any help VERY MUCH gratefully received - many, many thanks in advance.
  18. Hi all I got in a lot of debt trouble 5 years ago. I managed to negotiate full an final settlements with all but one - MBNA. I've moved 4 times since then and they never caught up with me. Out of the blue I received a letter from Restons Solicitors acting on behalf of Arrow Global, who apparently own the debt now. The amount is £7,984.39 I am about to send a SAR and a CCA to Arrow Global. What should I do otherwise? Also what sort of F&FS would they offer me now - part of me just wants to get this off my back but obviously if I can string it out or fight it I want to. Thanks Ben
  19. I have (or had until recently) a secured loan with GE Money for just under £25k. I had got into difficulty back in March 2015 with repayments and ended up going to court to stop repossession proceedings (which I did). All had been going well and agreed repayments made until June this year when GE sold the debt to a company called Arrow. No explanation given, just a letter stating they were exercising their right to transfer ownership of the debt. So, GE advised me that Arrow would be in touch with my new account details etc. in due course. Since I had been making the mothly repayments via electronic transfer (GE were being difficult about setting up a DD), I tried to make July’s payment as normal but my account had been closed at GE. Then at the end of July I received a letter from Arrow with my new account number but no details on the total debt they had now taken over or what the monthly repayments should be. I wrote to them (I can send you a copy of my letter) on the 8th August asking for clarification on what my monthly repayments should be. In the meantime, I completed a direct debt mandate and informed them that I assumed the repayments would be at the previous figure set by GE. No response was received and the direct debit to Arrow commenced on 1st October 2016 at the rate set by GE. I then received a letter from Arrow this month stating I was over £2000 in arrears (!!) and they would be asking a representative from Excel Counselling Services to visit my home to discuss the debt and how I could propose to repay this. The letter was worded in a non-threatening manner and no legal proceedings were motioned HOWEVER I have enormous warning bells going off in my head having read up on Excel and visited their website. I received a letter from Excel today stating they will “visit my property unannounced” if I do not telephone the contact given on the letter to arrange a home visit. This in itself is scary, especially since it is half term and my daughter is at home this week. I do not want to expose her to this. I really do not know how to proceed with this and would greatly appreciate some advice. I fear this is the start of eviction proceedings all over again and that Arrow are playing the softly softly approach before going for the jugular!
  20. Hi all : haven't posted in a while. Had letter out of the blue yesterday from Global Debt Recovery Ltd (New Malden) Client Jefferson (Insurance Product) sum of just under £100.00. We are today appointed as agents for the collection.......basically giving me options how to pay etc Never heard of this company and quite frankly don't recall any insurance owing. Any advice on how to respond please kind regards
  21. 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 )
  22. hi i have received a letter from arrow global, i opened the letter because it was in my name, it seems to say that i owe money to drysdenfairfax.com, i am shocked because i dont owe money to any one, i would appreciate some advice please, thank you in advance
  23. Can anyone advise? Ive received a letter from Arrow Global informing me that they have instructed Shoosmiths Solicitors to contact me to recover £19440 for a Mortgage shortfall from a Northern Rock Mortgage in April 2007. I remember owning a house around that time and did have a Northern Rock Mortgage but to the best of my knowledge the house was sold and the Mortgage paid off in full. I have never in the last 11 years had any correspondence from anyone informing me of any shortfall from the sale, so i am somewhat bemused as to where this has come from. I no longer have any paperwork from the sale and cant even recall who i used for conveyancing. Where has this figure come from and surely the solicitor i used during the sale would not have released the keys if there was any amount outstanding and due to the mortgage provider?
  24. Hi all, I'm putting this here in this section as Restons are threatening that I will be receiving a county court claim soon. In April 2009, I was offered a Vanquis card and I took it. I fell in a rough patch mid 2010 with payday loan spiral, and towards December 2010 I started missing various debt obligations. I was drowning under Vanquis as well, they would take my payment, and then their ROP charges pushed me over the limit and then I'd get a late payment fee added. Mid January 2011, I put the account verbally in dispute with the person who had phoned me, demanding additional payment. Credit limit was £250, they were chasing me for £700. Few debt collectors have come and gone, I've always ignored them. Beginning of March this year, I got a letter from Restons, demanding payment. I emailed them and said sorry, I don't acknowledge any debt to you. This was shortly followed up by another letter, saying I owed them £780 for the Vanquis card, last payment date: 18th January 2011. I responded, saying sorry, this is statute barred. They responded saying: Totally fed up by this now, I responded to their email, stating that I had already told them it was statute barred and that the date someone decided to issue a default notice had no bearing on the statute barred date and I suggested they go read the Limitations Act of 1980, and that if they decided they still would like to continue to take me to court, I would be requesting the courts to regard them as Vexatious Litigants and I would be requesting compensation. I then got the very snotty letter attached. Next course of action? Ignore until I either get a county court application as they have threatened, or should I be doing something now? I've just sent off for a SAR to Vanquis as well. restons threat.pdf
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