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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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Blake Lapthorn


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Hello.

 

B.Lapthorn have started chasing me for a alleged debit owed to their client (Arrow Global).

 

Arrow Global were assigned this debit in 2013

- I sent Arrow Global a CCA request and received no response and did not chase them up.

 

The latest letter from B.Lapthorn says

"we note you made a CCA request in 2013.

Please confirm whether you made this request and if so forward a copy of the same.

If you do not have a copy please confirm whether you wish to re-submit a CCA request".

 

I would appreciate some advice on how I respond.

 

 

Many thanks.

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whats the debt all about?

 

if they know a cca request was made

 

then they must also know arrows failed to reply!

 

phishing me thinks

 

is this on your credit file too

 

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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The debt is at least fifteen years old (from my youth!) Every now and again I get a letter from some DCA and I always send a CCA request - but never get anything back. It does not show on my credit file. What confuses me if they know I have sent a CCA request why do they want a copy or for me to re-submit.

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who was the original creditor?

 

when did you last pay.use it..

 

its sometimes better to not entry into letter tennis

everytime you get a threat-o-gram

 

it just encourages them.

they've found a mug.

 

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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I believe the original creditor was City Financial

- it was a loan I used for a home improvement.

 

I have not paid anything for about six years but don't have the actual date

- so don't want to go down the statute barred route.

 

I still worry though every time I get a letter saying within 14 days they will issue a court summons.

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it does not say WILL

 

read it properly

 

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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Share on other sites

Whoops sorry - read it properly. " we are instructed to .."

 

Does the letter say that they are instructed to commence Court Proceedings if no payment within 14 days?

Or we are instructed to collect this debt and the Court action is just one of the many options that they would like to do?

 

Can you either type up the full letter or scan it in and post up please?

 

Please remember to remove all personal identifiers such as name, address, barcodes etc.

 

Blake Lapthorn have taking Court proceedings before on behalf of Arrow.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Yes B L have taken ppl to court o b o Arrow

 

but the phrase "we are instructed to" is a devious way of making you think you are next in line when in most probability you are not.

 

Fredrickson particularly like scaring ppl with this device.

 

Being "instructed to" does not mean they will "obey".

 

Ppl really do need not to buckle in to these shameless bullies.

 

Bob do *not* comply with B L request for you to send CCA. That's absurd.

 

It seems to me that you are now on the Arrow solicitors' merry go round.

 

The sooner you determine your statute barring status, the better.

 

Can you contact O C ? Do you keep statements of bank you were paying them from?

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Sorry I do not have a scanner at home.

 

The letter states

" we act for arrow global ltd.

Our client has instructed us to write to you concerning the sum of £1260.49 owed to it.

We note that you made a CCA request to our client in 2013.

Please confirm whether you made this request and if so forward us a copy of the same.

 

If you do not have a copy confirm whether you wish to re-submit a CCA request.

 

Unless we hear from you within 14 days of this letter,

we are instructed to issue court proceedings without further notice.

 

We hope that it is not necessary to issue proceedings and you make payment by return".

 

When I paid I always paid by cheque and I am not even with that bank anymore

so it would be hard for me to find out but I do know it is some years ago.

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I would write back to them stating that Arrow Global have failed to comply with your CCA request, therefore the account is in full dispute, any Court action will be vigorously defended.

 

Do not forget to write at the top "I do not acknowledge any debt to Arrow Global/Blake Lapthorn or any Company that it claims to represent".

 

Writing back is just one letter (not letter tennis) explaining them your situation as Arrow Global will not pass on the full details.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Arrow shares real-time information with the solicitors and DCAs it uses.

 

This includes a history. That's how they know about the CCA.

 

If you respond to B L it will alert them to your feeling a bit nervous.

 

They want you to engage in discussion about the CCA and eventually cave in.

 

As long as your CCA request remains unfulfilled you are relatively safe.

If you are statute barred you are completely covered.

 

Can you contact the original creditor [do they still exist?]?

They just might have a record of your last payment date,

even perhaps default date too.

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you confirming or denying the CCA request letter

 

or

 

if/if not you need one out of them now

 

makes NO DIFF

to what they do.

 

the fact you have 'always sent' a cca request in the past is prob

the reason why they are doing this.

 

letter tennis has caused this.

 

ignore unless you get a claimform or SD.

 

they know the score already

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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