got 2 ccj whilst abroad that i knew nothing about - now got Arrow Global on my case!!!!

[philread1]

Hello Everyone

 

I've not been on here for a long while, but would like some help in dealing with the unsecured debts that I have. The debts I have are between 4-6 years.

 

I'm sick of all the letters I get, and want rid of it all, but by the easiest way possible, ie. the cheapest!!

 

My first priority are 2 debts owed to Arrow Global, both of which have been processed and judgement has been entered, in default, as I did not respond to the claims and I've been told to pay up plus costs in both cases. The reason for my failure to respond being due to work commitments abroad and not receiving the paperwork till recently.

 

1. The 1st case, the debt is under £1500 and judgement was entered in mid Dec '10 and further, a 'Notice of Transfer of Proceedings' was issued transferring the case to County Court for enforcement.

 

2. The second case, the debt is under £1000 and judgement was entered on 10th Jan '11(last week) and I have yet to hear any more.

 

I would like advice on how to move forward with both these cases, whether I should pay up without a fight, (which would be unlike me!), apply for a 'set aside' and request proof off a CCA, (if I am still able to do so), if I am still able to negotiate a Full & Final offer, (even though judgment has been entered), or any other action I could adopt? Also, by means of going to County Court for 'Enforcement', what does this actually mean to me and what powers do they have?

 

As always in the past, your help is very much appreciated.

Many Thanks

Phil

[MARTIN3030]

You can get the latest one set aside,amd the December one possibly too-but means moving fast.

Need some more info.

[MARTIN3030]

Was this Bryan Carter by any chance ?

[philread1]

Thanks Martin,

 

No, 1st case was by Drydens Ltd in Bradford, and 2nd case by Jim Taylor at Shoosmiths. What other info do you need?

 

Cheers

Phil

[philread1]

Had enough trouble with my mortgage and a secured loan to deal with over the last couple of years, now I have got them back on side, I just want to deal with these unsecured debts and don't want the hassle or stress of CCJ's which it looks like I've got now.

 

Cheers

Phil

[dx100uk]

drydens are a doddle shoesmiths can be a real pain like rotties they dont let go.

 

it would have been in your interest to have been able to info 'someone' during the run-up to these that you were out of the coutry - direct to the court would have been nice!

 

where the dca's/o/p's aware of this fact

 

i should think you should be able to set-aside both with said proof

 

then you need to start the process of disputing them, either by ppi/unlawful charges claims, i would not, rely on un-en cca etc - disputing most of those issues inc dn's etc have now been blown out the water in recent months

 

give us the complete history etc of both debts

 

the troops will be along in the morning im sure.

 

dx

[philread1]

Yeh, Thanks DX, will set about getting the judgments set aside for now, but think I will need to read a little more on here and have some guidance with regards to disputing the debts. Could I still negotiate a full & final figure with them both, or is it too late for that?

 

Both debts are old MBNA credit card debts. They were both originally totalling over £4000 at one point, but I managed to pay quite a lot off them both a few years ago. Last payments towards either of these card would have been 2yrs ago. Interest has been frozen since approx. 5yrs ago.

 

Phil

[dx100uk]

i'm gonna move the thread to the legal forum and slightly change the title

 

should work

 

dx

[citizenB]

Were there any default charges/late - missing charges that you could have reclaimed do you know ? If so, perhap you could negotiate a settlement which minuses those from the amounts that they had on the claim forms