Arrow global-->bryan carter ccj issued

[w1n3pd]

I have been issued a CCJ which was pursued by Bryan Carter on behalf of arrow global.

 

It was issued in Autumn 2010.

 

When this was being issued I asked for CCA and SAR requests to which I did not get any reply.

 

The debt was just under £4000 but with court fees it came up to almost 4 and a half.

 

I was asked to pay £50.

 

But due to my circumstances I requested fro reconsideration to the court and then it was brought down to £1 per month.

 

I also received a confirmation letter that £1 of payment would be deducted from the information I provided to the court.

 

But I just checked today that the payment was not being deducted

and since then I have not received any correspondence from them either.

 

What is my best course of action. This CCJ is going to be off my CRA file by the end of 2016.

 

I have other debts being managed by LOWELL, DLC. 3 BY LOWELL AND ONE BY DLC. I am paying £1 statutory payment to them.

 

 

I started defaulting in 2006ish or so.

 

But CCJ was issued later.

 

I have no idea who my original creditor is, it looks like a credit card.

 

Please advise as to what should my next steps be:

 

1) Should I ignore CCJ and wait?

2) Should I contact Arrow global directly and ask for proof?

 

 

Thanking you in anticipation.

[dx100uk]

you say you sent them a cca & sar?

 

so you knew about the court claim?

 

can you scan up the CCJ front page

 

and the variation order please

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[w1n3pd]

Bryan carter had been sending me the letters on my old address. Suddenly they sent me the letters on my new address, but before i could think of a response they obtained ccj in default. I asked for sar and cca after ccj was issued. Which i think is a stupid thing to do as i understand it now. I then went on to get a variation order.

 

 

I am scanning them now and soon post them.

[w1n3pd]

Please find the documents attached herewith.

[w1n3pd]

HELLO DX,

 

I Have called Northampton court as you advised and asked them about the particulars. They said that if the claim is being made online the court doesnt have to see the original credit agreement (weird). But the clerk did tell me a credit card number as the relevant account ref. I do not know who does this credit card belong to?

 

I also asked her whether she knew whether I was paying them or not. and she said Bryan carter should know this information court doesn't. Also I have the letters from Bryan carter dated 2011 saying that they would be taking paymnets from credit card repayment plan starting............. etc.

 

I never gave them any credit card details, i gave them a bank account details.

 

I do not think they have ever taken the payments. They certainly are not taking any payments from me these days. I have double checked.

 

 

Advisor asked me to get in touch with Bryan Carter directly if I need any further information.

 

 

So what should I do?

 

1) If I let it slip, and dont do anything, provided BC woudl never take any action then CCJ woudl be removed in 2016.

2) if I get in touch with BC, they shall try to enforce it. What would my options be?

[dx100uk]

first advise

 

DO NOT EVER VER VER PHONE CARTER OR ANY DCA

 

never ever discuss any debt on the phone

 

wRITING ONLY.

 

dx

[dx100uk]

so from the number of the credit card

we should be able to work out the creditor.

[DONT publish the number here]

now because its obv they served the papers yto an old address

you might have a seta side reason looming.

did you inform your creditor you had moved?

for the minute do nothing.

[w1n3pd]

sorry what is an SP? [typo meant SO - DX]

 

WITH REGARDS TO SET ASIDE:

 

Until August 2010 I was living in a different address. And then I moved to a different city altogether.

 

CCJ was issued to me in October 2010. But just a week or so before this judgement I had gone back to check if i had any mails.

May be I should have never done that.

 

That is when I found out about CCJ proceedings.

 

I stupidly very stupidly sent a letter I think in that week asking them how deep a trouble financially I was in.

I was given a CCJ the very next day I wrote them the letter.

 

So obviously by the time they BC got it the CCJ was already passed.

Do I still have a case for CCJ set aside?

 

I sent them the letter partly because it was my fault and partly because I was advised by one of the other website forums. But Obviously I should have known better.

 

ALTHOUGH I HAVE MOVED TO A NEW ADDRESS, I STILL USE THE OLD ADDRESS SINCE CCJ.

I HAVE BEEN SO AFRAID OF THIS WHOLE SCENARIO AS I HAVE NOW KIDS AND ALL THAT I KEPT GIVING THEM THE OLD ADDRESS WHERE I USED TO LIVE.

BUT I WAS OBVIOUSLY NOT AWARE OF CCJ UP TILL THE POINT OF ALMOST THE JUDGEMENT TIME.

 

I HAVE Now ASKED FOR A FAVOUR FROM MY OLD HOUSE MATES TO ALLOW ME TO USE THAT OLD ADDRESS Until I sort this out.

 

I have just trawled through the old data and copies that I have and found out that i had sent them two letters one is clearly an SAR,

they have never taken that payment nor returned.

 

I have the proof of postage as recorded delivery. I think i sent both of these letters in one envelope. Big stupid mistake may be.

Edited July 2, 2013 by w1n3pd

[w1n3pd]

I can't seem to find the original card or any statement. Will keep looking.

[dx100uk]

ok well i'd keep quiet for the moment

 

lets see where it goes for now its not a priority as they are doing nowt, we'll join therm.

[w1n3pd]

Thanks

[w1n3pd]

I further trawled through all of the paperwork that I hold. I can not find whom does this card number belong to. I used google on how to find the card originator but to no avail. Any ideas?

[w1n3pd]

OH I FOUND THIS COOL WEBSITE

https://www.bindb.com/bin-database.html

 

 

I have figured out who the original issuer is, it is R RAPHAEL & SONS PLC, associated with Barclay cards.

 

 

I also looked at my last year credit file, Raphael bank has another default credit which is £1000 less than this one. There are two entries one by arrow global another by Raphael with two different sums. Of course both do not appear on EQUIFAX ANYMORE.

 

another crazy thing is on Call Credit Raphaels bank is for a card ending 4115 but Robinson way is for a card ending 0113 BUTTTT My CCJ is issued for the card ending 4115. Two different accounts.

 

What is happening here?

 

What should I do now?

Edited July 3, 2013 by w1n3pd

[BRIGADIER2JCS]

Seems like two accounts or a typo, please be aware that call credit is often out of date, very often to not remove defaulted accounts on the 6th anniversary of the default.

[w1n3pd]

I think I had another card ending with 0113. It doesn't look typo to me.

[BRIGADIER2JCS]

Looks like you may need to make a SAR Raphaels to find out what's what.

[dx100uk]

it'll be an old monument card now own by Barclaycard.

 

dx

[w1n3pd]

it'll be an old monument card now own by Barclaycard.

 

dx

 

 

i think you are right. that is a good possibility.

[w1n3pd]

Looks like you may need to make a SAR Raphaels to find out what's what.

 

I do not think that anybody is chasing me for (0113) card, I might had paid it off through one of those discount deals. I have done that with quiet a few other credit cards until I met you guys.

[dx100uk]

that'll be why you have been caught up in the situation you are in then.

 

discount offers as you know, 9/10 mean no debt actually exists if you were to scratch the surface.

 

dx

[w1n3pd]

that'll be why you have been caught up in the situation you are in then.

 

discount offers as you know, 9/10 mean no debt actually exists if you were to scratch the surface.

 

dx

 

 

But then how come they update entries on your credit file?

[dx100uk]

they have a consumer credit licence and they own the debt

 

the cra people are not concerned IF the debt is LEGALLY OWED

 

bit like all the Debt Management orgs paid or otherwise.

 

dx

[w1n3pd]

ok well i'd keep quiet for the moment

 

lets see where it goes for now its not a priority as they are doing nowt, we'll join therm.

 

Hi All/Dx,

 

I have started to hear back from these guys out of no where.

 

I have attached the letters I have received so far.

 

Please note that I have moved to a new address now and they initially started off as a phishing letter and

since I did not reply, they have ''assumed'' I live in this new address.

 

The recent letter suggests some sort of settlement option if I were to give them a call.

 

Arrowglobal has apparently passed on my debt to their sister company Akinika.

 

Please advise as to what my options are now?

 

It was them who were not taking £1 of payment that i had set up.

Also note that the judgement was issued in Oct 2010.

 

As always, very grateful for the help.

 

4 letters in two documents are attached with this post,

settlement suggestions are highlighted.

[dx100uk]

annies are IQOR

 

just a dca

 

so they are sending phishing letters

hoping to make a few pennies.

 

dx

[w1n3pd]

DCA means I should ignore them right?

 

Thank you for your help as always.