Blake Lapthorn

[tacklebob]

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.

[dx100uk]

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

[tacklebob]

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.

[dx100uk]

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

[tacklebob]

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.

[dx100uk]

it does not say WILL

 

read it properly

 

dx

[tacklebob]

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

[Stigman]

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

[oleg]

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?

[tacklebob]

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.

[Stigman]

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

[oleg]

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.

[dx100uk]

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