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Please help with next step re: Bryan Carter/ Arrow Court Proceedings


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sorry - I didn't mean to break protocol - I did not start a separate thread as my claim form was so similar to the spate of recently issued claim forms from Bryan Carter/Arrow, and I felt it unnecessary to clog up the forums with a brand new thread. Apologies if I have gone about things the wrong way. I just needed some help - and the contributors on this forum are so helpful.Thank you.

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Not a problem barafear don't berate yourself, i was just confused...its far better for you and your claim if you have your own thread as not to complicate OHWs thread.Start a thread and you will get assistance.

 

Regards

 

Andy

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Hi, I have received the AQ, if I post up the supposed agreement on here can someone case their eyes on it so I can fill in the AQ appropriately. I have not received any further information from Arrow. :-)

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OHW, when did you enter into this agreement ? Those are terms and conditions, but are they from inception, or current ? An s78 request requires they provide you with..

 

terms and conditions from inception and at time of default. If they were varied at all during the history of the account then those should be provided as well. You should also have a statement of account.

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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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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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Hi, I think they are the ones from inception. 2005. Terminated in 2007 jan(ish). Is that the agreement or application form.? This is the response to my CPR request. I have received a copy of their AQ too.

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As far as I can tell this isn't the official agreement, but a copy of my signature on an agreement when I applied for the card. Can someone confirm this? I need to send allocation questionnaire on Monday and they haven't complied with the CPR request.

 

Please can someone advise? It would be much appreciated.

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Here is a link to some threads on AQ's (is it an N150 or N149 ?)

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?131499

 

This link has a draft order for directions too - http://www.consumeractiongroup.co.uk/forum/showthread.php?159341

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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Please keep to one thread OHW fragmenting your threads only causes confusion.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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  • 4 weeks later...

OHW, you any further on with this?

 

My case has come to a stand still it appears since I ask them to prove I made a payment to the account in question. No reply over one month later.

I am at a loss now as what to do.

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  • 2 weeks later...

hi,

 

I have a court date :-)

 

They have sent me all information they feel is what i requested.

 

I need to have a proper look through, My court date is in Jan.

 

Would appreciate some help really (re the above). I also sent me a letter saying that I am not entitled to see the 'assigment (I think, paperwork not at hand and just about to go to work). as its a contract between themselves and the OC.

 

Will update later :-)

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If you have requested sight of the " Deed" then they are correct if you requested sight of the " Notice" then they are incorrect.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

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  • 5 weeks later...

I will start a thread on your behalf, predator and send you a link.. I will also pop the link on this thread for you.

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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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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  • 2 weeks later...

Hi,

I have received a without prejudice letter from arrow,

 

they are offering to settle for £200,

 

however I have to obtain a consent order,

 

I have also been asked to send in all the documents

 

I have been asked to rely on in court.

 

Whats the next step?

 

if I pay the £200 to settle why do I need to get a stay?

 

Hmm, time is of the essence here as I have to send in my documents before next wed,

 

they have gave me until the 29th jan to pay the £200

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Hmm, I am not sure that YOU have to get a Consent order.. they are the ones that have to do this.. I will alert andyorch for you.. :)

 

Who wants all the documents that you are intending to rely on in court.. Arrow or the court ?

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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Thankyou citizenB! I have received a letter from the court saying the claimant and the courts would like a copy of the evidence I wish to rely on in court. This default is just about to drop of my credit report, so, if I actually pay this amount as a goodwill gesture to avoid court will it be recorded or will that just be that? Cant wait for it to be over tbh.

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it will be recorded a apayment so any bad news wil stay an extra 6yrs.

 

almost like a discount ...urm.......

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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did you ever fill in the CISHEET spreadsheet with the PENALTY charges from your statements?

 

that will be the discount offered.

 

use the credit cards last interest rate.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes they have taken the charges off,

there is a bit extra but I would have been happy to pay that.

 

Although if I am to have another 6 years with it on my file then I dont really fancy it lol.

 

I dont understand it really,

 

I thought that only 6 years was recorded on my CRF,

I didnt realize that paying towards it would stay on file for a further 6 years.

 

AH ngihtmare :-(

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