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    • Attached. Sorry about the delay.    The first few pages seem to have gone out of sync when uploading. Sorry about that.    As yet no reply from the company to advise of how much the arrears are to release the vehicle.    edit: this is the second load agreement can’t seem to find the first I think it may still be in the car... I imagine it will be pretty identical though except it was £500 convert-jpg-to-pdf.net_2019-10-17_22-19-27_2-compressed.pdf
    • Thank you dx.   Will I not be sent to a credit agency or affect my credit score?   Thanks so much for your help.
    • I never have to be honest. Their recent discounts are way off what they were before. Used to be 75% off and such.   ill CCa them tomorrow
    • Ah no DX apologies.   its never defaulted. We had a an agreement in place whereby they didn’t default the account so every statement that came through had the interest frozen and I was just chipping away at it.   which is why this doesn’t make sense. Surely it has to default before they sell it? I’m totally ruined if this Company now applies a default .
    • name the issuing court: Airdrie Sheriff Court   Who Is The Claimant: Arrow Global Limited   Who Are the Solicitors: Shoosmiths LLP   What type of action? (Simple/Ordinary): Ordinary   What is the claim for – The Pursuers are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement between the pursuers and hbos plc dated 28/02/2017, the pursuer acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the defenders to the original owner which were in existence as at the date of the agreement, and in particular in relation to the contract hereinafter condescended upon. The said assignation was intimated to the defender by way of a written notice on or around 28/02/2017.   The said contract between the Original Owner and the defender is a regulated credit agreement in terms of Section 189 of the consumer credit act 1974. It is dated 21/01/2008 and relates to a personal loan agreement with account number XXXX. It was a term of said agreement that a failure to meet any instalment on a due date would render the account in default and would entitle the pursuer to serve notice of default on the defender requiring the defender to remedy the breach within 14 days which failing the agreement would be terminated.   date of raised claim :- ?   Last Date Of Service:- ?   Last Date For Response:- 7/11/19?   What Documents are listed in Box E2: a copy of the credit agreement statements of account and notice of assignation will be produced in any defended process to follow hereon.   Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- personal loan     BOX D5 what has the claimant stated: make payment of the sums sued for …..   from your knowledge: answer the following:   When did you enter into the original agreement before or after 2007? 2008   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.:- debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment?    Did you receive a Default Notice from the original creditor? believe so   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? unsure   When was you last payment:- 11/2016   Why did you cease payments:- 11/2016   Was there a dispute with the original creditor that remains unresolved? no   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes dmp til 11/2016
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Hope you can help,

I was served with a schedule of inhibition after l was given a time to pay order with RBS.

 

The debt was in my name, however l am now married. We have a joint mortgage.(which l had before my debt)

 

We are now looking to sell our house and buy a new one but will need to borrow another 20K, which we can afford. In fact my husband could afford it himself, without considering my income. We have lots of equity in our house.

 

So, l am wondering, will his credit rating be ruined because of me? Is there a high chance we wont be allowed more money, even though he could afford it by himself. Could he take out a new mortgage in just his name?

 

In hope,

HH

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H welcome to CAG.

It would be best to check Experian or Equifax (use 30 day free trial) or Call Credits Noddle which is free but not always up to date.

 

 

The personal debt should not affect your husbands actual credit profile but the files may show an address link to you.


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It will show you at financially linked

 

Has the inhibition order now fulfilled and when?


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I have been told that if l didn't receive a Debt Advice and Information package then the inhibition is invalid. I have downloaded it from online and l swear l have never seen it, how can l prove this or is there no point in going down that route?

 

What do you mean fulfilled? Sorry for my ignorance! I have yet to pay it as l have not yet sold my house. I have also been told that when l pay back my debt, l have to apply for the inhibition to be lifted and pay interest and fees! My debt is approx. £15K. Does anyone know what my likely fees will amount to? God, it is so stressful.

 

Thanks for your help.

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When l was given my schedule of inhibition l wasn't actually at home and the officer put it through my door. This was in Oct 2010 in Scotland. CAB have told me that the inhibition is not valid if l didn't receive a Debt Advice and Information Pack, which l didn't.

 

How can l proof this?

 

Any help would be so grateful as l am about to put my home on the market and am so stressed about what is going to happen and the legal fees.:!:

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Can anyone please advice. In October 2010 (Scotland) l was given a schedule of inhibition, which was put through my door by an officer as l wasn't at home. There was no DAIP. I have never had one of these, CAB have told me that the inhibition is invalid if this is the case. How can l prove it to be so?

CAB have also told me that when l sell my home (which l am planning soon) and my debt is taken from me, they will also take interest and fees. my debt is approx. 15K. What might the fees add up to? Does it take long for the inhibition to be lifted and my property fee to sell?

 

God, it is so stressful, any help would be great.

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Hi helen_h,

 

I have merged your three threads on this subject, best sticking to one, please continue to post here regarding this issue.

 

Thanks,

 

Scott.


 
 

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