Arrow Global/Capital One

[McWILLS]

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.

[McWILLS]

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

[citizenB]

Have flagged your thread for the site team.

[MARTIN3030]

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 ?

[MARTIN3030]

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.

[McWILLS]

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.

[count orlok]

Are you on benefits or have a low income? Who came up with the £20 figure, did you offer it or was it ordered by the court?

[McWILLS]

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.

[citizenB]

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.