Restons claim Arrows have a CCJ on a 2007 Provi Loan

[zanadu]

Hi can anyone advice please.

 

Owed a small debt to Provident back in 2007 but moved about over the years,

 

a company called Arrow Global sent demands over years,

but have now sent debt to Reston Solicitors.

 

On this letter it says Date Of Judgement 5th July 2012

and if they dont hear from me they will Revert to back to their client seeking instructions regarding Enforcement.

 

Does that mean they going to get Bailiffs involved?

 

Its been 7 years and i have not contacted them

so how have they taken me back to court for a sum higher than i remembered i owed.

[citizenB]

zanadu, do they provide any other information regarding this "Judgment"

 

Do they provide a court claim reference - if so then you would need to telephone the court to obtain details of this Judgment. It is possible for them to have sent papers to your last known address and when you havent responded, to obtain a Judgment by Default.

 

It would appear that at some point the Provi have sold the debt on to Arrow Global - were you advised of this and did you move at some point after Arrow Global came into possession of the account ?

 

If you can, perhaps you could scan your letter in (properly edited) so that we can have a peek at it.

 

Follow the instructions below.

 

Dx100 – Instructions on uploading pdfs

Scan the required letters/agreements/sheets

as a picture file

remove all personal info including barcodes etc. using paint

but leave all figures and dates.

Go to one of the many free online pdf converter websites

convert the image to pdf format.

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

open a new message box here

hit go advanced below the message 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

NB: you can set where it goes in the post by hitting insert inline.

Then hit reply button

 

 

[zanadu]

Hi on this letter it just says

 

Our Client Arrow Global Accounts Management LTD

Date of Judgement 5th July 2012

Current Balance £1,282.00

 

No Court reference.

 

I moved out of last property 21st July 2012 and ignored anything assocciated with Provident as it was just standard debt letters 'wish i hadnt now'

 

So not noticed any court letters.

 

They just added an Expenditure sheet in for me to fill in and send back within 14 days.

[citizenB]

I would send them a letter advising that you know of no Judgment and to provide you with the details - court reference, court, etc.

 

Once you have that, you can telephone the court and find out if there was a Judgment made. I would have thought that you would have opened any letter that came from a court ?

[zanadu]

If they took me to court on 5th July im sure id of received something before i moved out on 21st July unless i didnt open it.. So how do i word this letter to Reston Solicitors CitizenB? Thank you by the way

[citizenB]

Suggested letter..

 

 

Dear Sir or Madam (or named person)

 

Their References.

 

I am in receipt of your letter dated DATE.

 

You claim that a Judgment was obtained against me on July 5th, 2012.

 

I have no knowledge of this, and would ask that you provide the following information in order that I might check for myself.

 

Date of Letter before Action

Date of Claim issue

Claim Reference

Name of Court issuing the Judgment.

 

I look forward to your urgent attention to this matter.

 

Yours faithfully

 

Sign your name over a grid as below.

 

XXXXXXXXXXX

XXXXXXXXXXX

XXXXXXXXXXX

XXXXXXXXXXX

 

 

Send the letter by Special Delivery if you can afford it at the very least by Recorded delivery.

[zanadu]

Thank you so much will hand write it tonight as i don#t own a printer, if i have to pay it back will they involve Bailiffs or do i arrange with Reston's or Courts to pay it? I think i owed Provident £400 back in 2007 not over 1k

[zanadu]

PS im a single parent that cant afford too much weekly, will they be heavy handed and demand a lot weekly, bit worried about that

[citizenB]

Thank you so much will hand write it tonight as i don#t own a printer, if i have to pay it back will they involve Bailiffs or do i arrange with Reston's or Courts to pay it? I think i owed Provident £400 back in 2007 not over 1k

 

Good thing I didnt do a long winded letter then, if you have to hand write it !

 

I imagine there are lots of charges added on.

 

It is a real shame you didnt see the court papers originally,

 

because we could have helped you much better at that stage

 

- certainly we could have suggested you request a breakdown of the sum being claimed.

 

In fact - I think you should add the following sentence into the letter.

 

"Please also include a breakdown of the amount you are claiming - identifying any default/penalty charges"

.

 

 

 

PS im a single parent that cant afford too much weekly, will they be heavy handed and demand a lot weekly, bit worried about that

 

 

When you receive a response from them, you will need to complete an Income and Expenditure form - any repayment should be based on what you can afford - are you a home owner ?

[zanadu]

I know wish id of opened letters too, will add extra line ad yes glad it wasnt a long letter lol no i dont own i rent the property

[citizenB]

Righto, well that is good news you dont own property - they cant put a charge against it. I would say that once you have all the information and have completed an income and expenditure form then they will likely accept what you can afford.

 

 

As soon as they reply you need to telephone the court and confirm that Court papers were indeed sent/or not and when.

 

Please keep us updated with your progress.

[zanadu]

Will update once they reply and rang the courts, really appreciate the help

[citizenB]

[zanadu]

Hi i got a reply this morning from Reston Solicitors in response to above letter you helped me with,

 

all they have given me is an account number for Provident,

 

saying Arrow Global Guernsey LTD had passed on the account to them for immediate payment

and again stating a County Court Judgement was obtained 5th July 2012.

 

They have not answered any of the below questions i asked of them,

but said at the bottom i have till 4th April to reply their client 'Global' may instruct us to return to the court for further enforcement

 

Date of letter before action

Date of Claim issue

Claim Reference

Name of Court issuing the Judgment.

[citizenB]

You should be able to establish for sure if a CCJ was awarded by either by checking Trustonline.. link below. I think it costs £4.00 to search yourself.

 

http://www.trustonline.org.uk/

 

I think it shows the information you will need to be able to check with the court.

 

They will need to provide the information requested should they consider returning to court for "enforcement" so I am not sure why they are being so coy about providing this to you now ?

[zanadu]

Thanks will check that link now, im not sure why they didnt send me the information i needed to ring the courts to check, if they wanted the money so bad why not send it, they did send the expenditure form i also requested

[dx100uk]

go get your credit file too.

that should atleast tell you the CCJ number if its real.

 

make SURE all your old addresses show in the linked addresses section mind.

 

noddle is free

 

if it shows that will save your £4 on TOL site

 

dx

[zanadu]

Shall i put my last address which the court papers would of gone to in July 2012 or my new address on this Tol site?

[zanadu]

whats noddle? lol dont know which site to use now for best

[dx100uk]

the address of the time of the CCJ.

 

pers i'd go get noddle report

 

that'll save you £4

and give you the same CCJ number for nowt if you are lucky.

 

dx

[dx100uk]

opps sorry sigs not showing hang on.

[dx100uk]

Credit Reference Agencies:Experian Equifax CallCredit noddle

[zanadu]

Noddle asking for my card details to confirm address, this be ok and safe?

[dx100uk]

yes sure

 

its just for verification

 

dx

[zanadu]

Right i got it,

 

but i have not lived at that address for 7 years

 

so no wonder i did not recieve court papers,

 

or does that address just mean where i got that loan in 7 years ago?

 

So what do i do now agree to pay weekly?

 

removed

 

County Court Judgment Active

 

Name Miss -------- removed

 

Address --------- removed

 

Judgment date 05/07/2012

 

Amount £ 1,282

 

Court name Northampton