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Hi

i got a letter from restons solicitors a couple of days ago asking for 348 pounds

for a debt ive never heard off.

 

i send them the prove it letter,

they write back saying weve seen this type of letter before and its not legally binding...

...so they say were going to issue legal proceeding now

 

...im thinking this is just a scare tactic,

 

i mean how can they take me to court for a debt ive never acknowledged,

have no details and they dont provide any...

.are they for real...

 

Can anyone advise with a suitable reply please.

 

The debt has no dates or details jus says "arrow global guernsey ltd".

 

...never heard of them......

 

Thanks in advance....

Cheers

jiggy

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Obviously they can go to court with what they have.... and they can leave just as quickly when they are dressed down for not doing proving the debt.

Arrow are not the original debtore, they have just bought a pile of debts from a bank or similar creditor and are now trying to get everyone with a similar namee and age/address profile to cough up.

 

You can try again and point out that it is in their own interests to offer "strict proof" that the debt is yours otherwise any claim will be struck out as vexatious and that complaints to the FCA, SRA and other regulatory bodies will be forthcoming.

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send them a CCA request with a £1 PO

don't sign it.

 

reston for arrows on a debt not showing?

 

on your credit file?

 

smells of try spoofing a mug me thinks?

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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  • 2 weeks later...

HI GUYS AND GALS,

After a little advice please,

 

received a letter from restons solicitors 3 weeks ago asking for 348 pounds for a debt ive never heard of,

(ARROW GLOBAL GUERNSEY LTD).

 

i send them an email asking to prove the debt etc etc,

 

they write back saying dont be stupid its your debt pay up..

 

i send another email requesting proof of the debt etc etc.

...never heard back but get a letter in the post today from northampton court...

 

obviously i am going to contest this as surely im entitled to documentation to prove its my debt

and surely they are duty bound to provide this to me if requested and the court

 

...can anyone give me some advice of what my next course of action is

 

and what letter i should send them or the courts...

 

Thanks people...

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I have merged your two threads and moved yo to the Legal forum.

 

I take it you mean you have received a claim form from the courts? If so please have a read here and pride answers to the questions raised here on your thread.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**

 

Did you send the CCA request as suggested on 23rd April?

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hi

yes i sent an email to them requesting a cca and

 

they replied with a letter saying "look we get these all the time there not worth jack so stop stalling and pay up"..

 

..that is what they replied with so

 

i sent another email requesting cca and didnt even get a response until

 

today when i receieved this court letter which doesnt actually say when the hearing is

 

..it does look a bit vague i must admit!,

 

if i didnt know any better i wud say its a self generated one by restons but i dont know....

 

 

 

 

I have merged your two threads and moved yo to the Legal forum.

 

I take it you mean you have received a claim form from the courts? If so please have a read here and pride answers to the questions raised here on your thread.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**

 

Did you send the CCA request as suggested on 23rd April?

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You can't do a cca by e-mail since you need to enclose £1 statutory fee.

 

Can you read the link I gave you and give the answers to the questions raised here on your thread please.

 

At the end of that item it gives you links to the CCA template and the CPR template so get those off as well.

 

Proper letters this time, no e-mails.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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the court documents wont have a date on,

 

this is their claim and you must respond to it by acknowledging the service of it

and tick the box saying you intend to defend in full.

 

You dont have to offer a defence at the moment but if you dont send back the N1 form you will lose by default

and that is what the bandits are relyng on.

 

Get your CCA request in and again ask for "strict proof" of the debt.

 

they have to provide this otherwise you can apply for the claim to be struck out.

 

You micght as well do this from the outset,

 

you will need to look up the form that can be used for this.

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  • 2 weeks later...

can you please scan up the claim form

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

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

but leave all monetary figures and dates.

.

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

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

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

.

DO IT IN MSPAINT.EXE or any photo editing program

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

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

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

or http://www.freepdfconvert.com/

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 BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

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

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

you can click on your links to check them 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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