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    • best to be sure it is a N279. not that they pull any underhand stunts of course   but we have seen it. your bal is now £0 but we'll still attend court as you'll probably not as we've said we've closed the account and we'll get a judgement by default. dx  
    • Sorry, last bit They had ticked that they wanted the application dealt with without a hearing, so is there any relevance that a date and time to attend said hearing has been sent out ?
    • I've not seen it personally but I think that's the letter Dad has had from Overdales. I'll see it tomorrow. It states balance: zero
    • Agreed as you clearly have little faith in your star runners, mind you - I have less - conditional on the welcher clause I defined being part, and that we are talking about the three defined candidates: Tice Farage and Anderson - not anyone anywhere as reform might (outside chance) get someone decent to run somewhere. If any of the three dont run - they count as a loss.   welcher clause. "If either of us loses and doesn't pay - we agree the site admin will change the welchers avatar permanently to a cows ass - specific cows ass avatar chosen by the winner - with veto by site on any too offensive - requiring another to be chosen  (or of course, DP likely allows you can delete your account and all your worthless posts to cheapskate chicken out and we'll just laugh) "
    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
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Claimform from 'Blake Lapthorn' /Arrow Global old Mint debt **STAYED**


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Just received a letter from Arrow Global.

 

The front page says 'please find enclosed a Notice of Change by way of service upon you'

 

Page 2 is a form, stating Blake Lapthorn have ceased to act (?) and i assume Arrow are now acting for themselves?

 

This has thrown me a bit - if they thought they would win, why remove the solicitor (or use the solicitor in the first place ?)

 

What next? Cpr to arrow?

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Just do not make any further moves until you here from Arrow again or a new solicitor.

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are we now all happy about the case being stayed ??

 

what about in six months time when they ask the judge to remove the stay because they have now found the agreement, default notice etc and you are back to square one.

 

the option of a strike out has not realy been discussed has it??

 

i am of the opion that you should be given all options open to you and not just follow blindly advice given on a forum

 

if in doubt ask a solicitor for a free thirty minute consultation (if you can find one) to be given all the facts first

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Why would they do this other than to try and confuse the issue? According to the letter they're going to act for themselves.

 

Could it be the Blake Lapthorn thought he was in for an easy £80 and when that turned out to not be the case, the debt got reassigned?

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Hi Jessy,

 

I can still go for a strike out I believe. I'm waiting for confirmation that the case is stayed - the deadline for this is up, however I called Northampton CC yesterday and they advised me that Arrow might have responded, they just have an overwhelming mail backlog (!).

 

Once I have confirmation that it's stayed the strike out idea will be on the table.

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Why would they do this other than to try and confuse the issue? According to the letter they're going to act for themselves.

 

Could it be the Blake Lapthorn thought he was in for an easy £80 and when that turned out to not be the case, the debt got reassigned?

 

 

BL are in all probability on a fixed fee retainer, when the percentages start to fall to the defendants position a commercial decision would be made as to whether to continue and bear the fees or bring in-house thereby reducing external cost exposure.

 

Strike out.... always possible, just because I don't advocate it it doesn't mean it may not be right for you. I'm sure SJ will bring his/her chequebook along to bail you out if you get shafted for costs for failing to overcome part 24.

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From long experience of Arrow Global and their various solicitors Bryan Carter and others they tend to stand dow/withdraw when anything like a meaningful defence os challenge crops up imo wait and see what happens next.

Care is needed precipitous action could cause problems.

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  • 2 weeks later...
  • 1 month later...

Still waiting - no correspondence at all.

 

At what point should I go for a strike out? I'm concerned that if I do nothing, the case will be stayed indefinitely and my credit rating forever ruined.

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Length of stay has no effect on your Credit Rating...if you have defaulted it will remain..irrespective of any outcome ..win or lose.

 

Andy

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I would be dealing with them as two separate matters...leave the claim stayed for now and deal with the ICO and the CRAs as to why its still showing after 6 years. The Claim be it struck out or stayed will not resolve the CRA problem..that is another issue and error.

 

Andy

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  • 2 weeks later...

Hi All,

 

Still nothing.

 

Stayed case aside, what should I be doing to try and force Mint/Arrow's hand regarding the incorrect default? Is it simply a case of forwarding a SAR or is there a separate document where I can request default information specifically?

 

I should also add that a few years ago I requested a CCA and SAR from Mint. The default notice was never included (the sar, despite a slap on the wrist from the ico, remains incomplete to this day).

 

I entered a DMP years ago (early 2006 I believe). All of my creditors defaulted and excepted my terms (with the exception of MBNA, who dragged their heels for three months longer than the others). I understand that once you cease payments or enter a DMP on a credit card accounts are supposed to default within a reasonable timeframe (six months or so?) Does anyone know anything about this?

 

I'd really like to get the ball rolling and put this to bed, instead of having a case lingering in the shadows indefinitely that could crawl out of the wordwork at a moment's notice.

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Hi Danson

 

Not sure if it may be best to leave well alone for the time being.

 

Do you have a full history of all markers on your cra files or can you remember this account specifically being defaulted on notice? Is it possible that the more recent default replaced a previous AP marker but in doing so all monthly markers pre AG assignment have disappeared from your records?

 

I think it's important that you try to reconcile as much of the historical marker info that you can before making any further enquiries with the 'creditor' or CRA's.

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Hi Mike,

 

I entered a DMP with the CCCS back in January 2006. It took a few months, but by May that year all of my existing credit card debtors - including Mint (but not MBNA until the september) defaulted my accounts before allowing me to pay the reduced amount each month.

 

According to Arrow Global, the default didn't appear until 2008 (when they took the debt over). This is nonsense and they're just trying to fob me off. I've looked at my credit report (the free noddle one, currently) and this also showed in my experian trial, that the account is under the name 'arrow global' (not Mint/RBS) and defaulted in 2008, with no prior record. The account simply starts at the default with no credit markers beforehand under the Mint name.

 

Hope this makes sense. Of course, Arrow raised the court case referring to this 2008 default that doesn't exist and if I can return to the original default date, the debt is removed from my credit file at least (even if not quite statute barred). I also want to highlight Arrow's foul play in this matter, manipulating my credit record for their own gain.

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If you believe the default date is wrong, (it was most probably defaulted by the orignal creditor not AG) you need to complain to the data contollers of AG and RBS/mint, with proof of the date you claim is correct. So you may need to SAR RBS.

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Hi Brig

 

I believe RBS have already given Danson the finger in response to both a SAR and CCA request.

 

The one issue I can see cropping up is 'if' you can evidence the default date [perhaps with the copy DN] the usual process would be to present a copy to the CRA for it to investigate. It in turn would present a copy to AG, not really ideal whilst the account is in litigation.

 

If I were in Dansons position I'd probably be approaching RBS again in respect of its non compliance, and making a call to CCCS to check its archives for copies of any notices.

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Hi Mike,

I agree, the non compliance should be challenged, I've never found cccs very cooperative.

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Yes certainly, but why not phone first to see IF they have any data and maybe save a tenner?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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