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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
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    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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CCJ Cope's Solicitors/Arrow Global


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Hi Blondie

Yes you could send a CPR 31.14 letter at this stage. I just think it might be best to hang on for a few days. My reason is that CPR 31.14 is a rule which allows you as defendant to inspect any document referred to in the case. So far, all that Cope's have referred to is an agreement dated 24 December 1997. So all you could ask for is a copy of that agreement.

In the normal 'timeline' for cases, the request for documents is usually made before judgment. It looks like you are a lot further down the road in that Cope's have got a CCJ against you, they have got an Interim Charging order and are now seeking to get a Final Charging Order. That doesn't stop you sending the letter but is now the best time? Your application is based on the evidence from the Registrar of Companies that (whatever else) Arrow Global Receivables Management ltd didn't exist at the time they say they signed the agreement with you. Therefore the agreement can’t be valid. Arrow Global Receivables Management has not produced any evidence that the agreement exists. It seems to me that they have got this far by using the court system against you.

In reality, I would guess that Arrow Global Receivables Management is a collecting agent for another part of the Arrow Global empire to whom your debt with Paragon was sold or ‘assigned’ by Paragon. Paragon should have defaulted you before they sold the debt and you should have had proper notice of that assignment. The claimant should be whichever part of Arrow Global bought the debt. But that isn’t what Cope’s have stated to the Court. They have said that it is Arrow Global Receivables Management that made the credit agreement with you.

I suspect Cope’s will come back to the court very apologetic and ask to change the name of the claimant. The court probably will allow the change and also allow them to amend their particulars of claim. It might be a better time to send the CPR 31.14 at that point and ask not just for the credit agreement but also the default notice and the notice of Assignment that should have been sent to you by Paragon. If the court does allow amended Particulars, you would normally be allowed to file an Amended Defence. My advice would be to hang on until Cope’s respond to your application before sending anything to Cope’s.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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  • 3 weeks later...
Hi Blondie

 

Yes you could send a CPR 31.14 letter at this stage. I just think it might be best to hang on for a few days. My reason is that CPR 31.14 is a rule which allows you as defendant to inspect any document referred to in the case. So far, all that Cope's have referred to is an agreement dated 24 December 1997. So all you could ask for is a copy of that agreement.

 

In the normal 'timeline' for cases, the request for documents is usually made before judgment. It looks like you are a lot further down the road in that Cope's have got a CCJ against you, they have got an Interim Charging order and are now seeking to get a Final Charging Order. That doesn't stop you sending the letter but is now the best time? Your application is based on the evidence from the Registrar of Companies that (whatever else) Arrow Global Receivables Management ltd didn't exist at the time they say they signed the agreement with you. Therefore the agreement can’t be valid. Arrow Global Receivables Management has not produced any evidence that the agreement exists. It seems to me that they have got this far by using the court system against you.

 

In reality, I would guess that Arrow Global Receivables Management is a collecting agent for another part of the Arrow Global empire to whom your debt with Paragon was sold or ‘assigned’ by Paragon. Paragon should have defaulted you before they sold the debt and you should have had proper notice of that assignment. The claimant should be whichever part of Arrow Global bought the debt. But that isn’t what Cope’s have stated to the Court. They have said that it is Arrow Global Receivables Management that made the credit agreement with you.

 

I suspect Cope’s will come back to the court very apologetic and ask to change the name of the claimant. The court probably will allow the change and also allow them to amend their particulars of claim. It might be a better time to send the CPR 31.14 at that point and ask not just for the credit agreement but also the default notice and the notice of Assignment that should have been sent to you by Paragon. If the court does allow amended Particulars, you would normally be allowed to file an Amended Defence. My advice would be to hang on until Cope’s respond to your application before sending anything to Cope’s. [/quote]

 

Hi Docman

 

Just to update you, as you know i'm in court on Monday for the hearing of my application to set aside judgment, strike out etc. I have been in regular contact with the court over the past couple of weeks and also contacted them today, and so far Cope's (claimant) have not responded whatsoever to my application.

 

Can you give me any advice as to how to handle the court hearing on Monday?

 

Thanks

Blondie

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Hi Blondie

 

Well I'm surprised Cope's haven't responded at all - but there is time. Don't be too surprised at papers turning up on Monday morning. If that happens, ask the judge for an adjournment to consider the evidence. They have had several months to produce them and delivering them at the last minute is unfair to you.

 

Can I suggest you go through all your documents beforehand and have them organisied and tagged with post-it notes if needed. If you are asked about a speicific document, it looks great if you easily find the document and don't have to spend hours looking for it amongst your papers.

 

I would also take a couple of spare copies of your witness statement and exhibits. It may seem excessive but you would be surprised about how many times all the documents are NOT on the court file and thus available to the judge. Equally, opposing solicitors may not have brought copies with them. Producing spares for their use looks like you know what you are about and are organiised.

 

Finally, don't enter into negotiations with the opposing solicitors before you are due to go into the judge's room, especially if they start with "Well, why don't you tell me what this is all about, dear!!" They should KNOW what it is about and if they don't, they shouldn't be acting. Also, a lot of the solicitors are more than two-faced and will use anything said outside the court to their advantage once in the court room.

 

As this is your application, the judge should invite you to speak first. Just take it easy and speak slowly. Use your witness statement as a guide. Don't read ithe witness statemnt out but I suggest you go through it beforehand and pick out the main points to use as notes for you speech.

 

Best of luck as well. Let us know how you get on.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Hi Blondie

 

Well I'm surprised Cope's haven't responded at all - but there is time. Don't be too surprised at papers turning up on Monday morning. If that happens, ask the judge for an adjournment to consider the evidence. They have had several months to produce them and delivering them at the last minute is unfair to you.

 

Can I suggest you go through all your documents beforehand and have them organisied and tagged with post-it notes if needed. If you are asked about a speicific document, it looks great if you easily find the document and don't have to spend hours looking for it amongst your papers.

 

I would also take a couple of spare copies of your witness statement and exhibits. It may seem excessive but you would be surprised about how many times all the documents are NOT on the court file and thus available to the judge. Equally, opposing solicitors may not have brought copies with them. Producing spares for their use looks like you know what you are about and are organiised.

 

Finally, don't enter into negotiations with the opposing solicitors before you are due to go into the judge's room, especially if they start with "Well, why don't you tell me what this is all about, dear!!" They should KNOW what it is about and if they don't, they shouldn't be acting. Also, a lot of the solicitors are more than two-faced and will use anything said outside the court to their advantage once in the court room.

 

As this is your application, the judge should invite you to speak first. Just take it easy and speak slowly. Use your witness statement as a guide. Don't read ithe witness statemnt out but I suggest you go through it beforehand and pick out the main points to use as notes for you speech.

 

Best of luck as well. Let us know how you get on.

 

Hi Docman

 

Well my hearing was this morning, the court were running half an hour late so the waiting seemed like forever. However, there was a 'no show' again from the claimants.

I went into the court room and it was the judge who had dismissed my previous applicated to set judgment aside.

He stated that the claimants had sent no correspondence whatsoever, I gave my speech - and then I got a lecture from the judge as to why i had not made this application earlier on in the case.

Anyway, the judge made some notes and then announced that the case is now closed, he would strike out the case, set judgment aside and vacate the charging order, and the order would state that any evidence showing pending charging order details on my property are to be removed by the claimants within 14 days.

He then went on to say that the claimants may appeal, but they would not get very far, as they failed to attend court today and they have had more than ample time to submit their evidence.

I previously highlighted to you that I have been paying £100 per month to the claimant - the judge also said I should keep paying them the £100 each month or any amout I could afford, as they may try and start a new claim and I will then be able to show in my defence that I have been maintaining some form of payment!!

What are your thoughts on this?

Anyway I'm still pinching myself - I can't thank you enough for your help and advice, I wouldn't have got the result I did today without that witness statement.

I have told several people about the consumer forums - I will also be making a donation to show my support to this site.

I will keep you informed of any updates.

Thanks again

Blondie

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Excellent Blondie;)

 

Regards

 

Andy

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Blondie,

 

Just got in to read your fantastic news. T wouldn't be too bothered about paying anything to Arrow from now on. You could claim costs against them although they could appeal. But I agree with the judge - it is unlikely.

 

Personally, I would wait until the court issues the Order and then use it to clear your credit record held by the Credit Reference Agencies.

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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  • 2 weeks later...
Blondie,

 

Just got in to read your fantastic news. T wouldn't be too bothered about paying anything to Arrow from now on. You could claim costs against them although they could appeal. But I agree with the judge - it is unlikely.

 

Personally, I would wait until the court issues the Order and then use it to clear your credit record held by the Credit Reference Agencies.

 

Hi Docman

Can you advise me.

 

I have accessed my experian credit report and the ccj showing for this has now been removed, but the details of account have now been removed from the public records section and are now listed in the account details on my report. It is showing as a default with a balance outstanding of £18,085 with the company name Arrow Global Ltd.

 

How can I get this removed?

 

Thanks

Blondie

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Hi Blondie

 

I'm not an expert on removing items from CRA files. There are a couple of threads with good advice on them though. However, you will need persistence to get entries removed.

 

Arrow Global Ltd is the UK end of the American operation, Arrow Global LLC. I understand that the LLC identifies 'Ltd' as the data controller under the Data Protection Act and supplies data to the CRAs like Experian.

 

The 'expected' way to deal with such entries on your credit file is to try and get the data controller to remove the offending item. If you are not successful with the data controller then you are expected to complain to Experian but expect some time wasting. They have 28 days to respond before you can put a 'Notice of Correction' on file. If that is not acceptable, you can complain to the Information Commissioner for a ruling. One of the factors the IC says it considers is whether there have been legal proceedings and the ruling of the Court.

 

Snag with this 'expected' route is that it takes time. I suggest a short cut is to write to Experian (and the other CRAs) telling them that you have no relationship with Arrow Global Ltd, and that the company has no authority to hold or disclose any of your personal data. Point out that you understand it is part of the Arrow Global group whose claim the Court has just dismissed as false and enclose a copy of the Court's Order. Tell Experian et al that they have 14 days to remove the reference to Arrow Global Ltd or you will take Experian themselves to Court for an Order under S 14 of the Data Protection Act 1998 and also ask for costs and damages against Experian. It usually wakes them up!

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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