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Arrow Global/Capital One


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Hi, I was originally chansed by Arrow Global in May 2007 for a Capital One debt of £1075.00. I requested a copy of my CCA and sent the £1.00 as a postal order with the letter. No CCA was ever returned but they did cash the postal order which they took off my oustanding debt as the balance chaned to 1074.00. This was the last correspondence for this debt I received until August 2010 when a CCJ appeared for the same debt owed to Arrow Global. As I wasnt sure if I had kept the paperwork for this debt I admitted this debt and sent it back, but seemed too late and judement was entered against me and the full amount was payable. As I could not afford this amount I filled in a reduced amount form to the court for which I had to pay £35.00 for and then received the acknowledgement that this was acceptable and paid the first amount in October 2010. Arrow Global informed me that they had changed the Solicitor dealing witht his debt to Chapman and Grange and all payments should be made to them, which I have done every month since. Then today I have recieved from the County Court a re numeration hearing which I have to attend on the 3rd March. I telephoned their Solictors and apparently they do not accept the amount of £20.00 and want £90.00 a month instead as they say they applied to the Court in September but the court lost their request and that is why I have only received this now! All this despite telephoning the Solictors every month and paying the required £20.00 I am confused and at a loss as to what to do next. Any ideas? I have by the way found all the paperwork for this debt from 2007 although doubt it will be of use now. I also have the standing order form they sent for the £20.00 a month. I have been paying with my Debit card so have proof of payments made.

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Hi does anyone have any ideas please I havnt got a clue and attending court is making me ill, I have contacted Citizens Advice but I am still awaiting an appointment what will I have to do at this meeting it has been allocated 10 miutes I cant afford to pay the £90 they are asking

 

thanks

Karen

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Have flagged your thread for the site team.

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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Do you have any eligibility for fee remission ?

Have the defendants asked you to supply them with an income and exp sheet -or have you given them one ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Irrespective of what the defendants want,it will be the Court who decides if the £20 is acceptable.

You will need to show that this is realistically all that you can afford.

Take some evidence of your means plus anything to support.

I would take the proof that you have been paying.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi thanks for the advice Martin, no Arrow Global have never asked for an income & expenditure sheet, the only one I did was for the Court to reduce the payment for the full amount, I have a copy of this to take with me I cant believe I have to go to court I really dont want to go but am dreading it but I suppose I will have to all this for a debt of less than a thousand what a waste of time.

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HI not I am not on benefits but I filled in the deferred amount form from the Court as they wanted the full amount paying, I had to fill in income and expenditure pay £35.00 to the Court I offerred the £20 a month as I think this is what I can afford comfortably a month, the court accepted it and I was sent confirmation and when I was to pay it from the Court in September 2010. Apparently Arrow Global did not accept this amount and sen another form to the court to reject this offer and apparently the court lost the form and this is why it has taken so long for them to inform me. I have got copies of all correspondence and a copy of the income and expenditure form.

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McWills, I see you are at court on Thursday. Dont panic, you have all your paperwork neatly filed and ready to take with you. Just be yourself and come back and tell us how it all went.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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