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Arrow claimform - Virgin Credit Card 'debt'


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Hi,

 

I had a Virgin credit card with a credit limit of £8,500 and could not afford to repay it.

 

No payments or transactions in four years and

 

 

the debt has been now been purchased by Arrow Global.

 

 

With charges it's around £10k now and

 

 

they have issued a summons and I have filed online a defence for the full amount.

 

What is the best course of action from here.

 

I have priority debts which I am having to deal with and

 

 

they will have purchased this for a fraction of the actual debt and piled on the solicitors costs.

 

Thanks for any advice.

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Hi ruth,

 

Sorry I can't help but have moved this thread to our Legal Forums, hopefully you will get some advice shortly.

 

Regards,

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Have you actually filed your defence, or just acknowledged the claim and ticked defend all,

 

Have a read of the following and answer as fully as possible

 

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

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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please fill out the link in post 4 and post it here

 

 

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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Just a point, but if I was Arrow, I would follow this forum. Doesn't completing the form on here make me highly identifiable and give them info I would prefer they did not have?

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nope there are 100's here already just look

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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Name of the Claimant ? Arrow Global Guernsey Ltd

Date of issue – 29th July 2014

 

What is the claim for

– the reason they have issued the claim?

 

 

The claimants claim for £10,xxx being monies due from the defendant to the claimant

in respect of a regulated credit card agreement between the defendant and Virgin (card no)

and being assigned to the claimant on 11/11/11

notice of which has been provided to the defendant.

The defendant has failed to make payment in accordance with the agreement

and a default notice has been served pursuant to the CCA 1974.

The claimant claims for the sum of £10,xxx.

 

What is the value of the claim? - £10, xxx + £100 solicitors costs + £410 court fee.

Is the claim for a current or credit/loan account or mobile phone account? Credit card

When did you enter into the original agreement before or after 2007? Before, around 2004

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. – by the new purchaser, Arrow

Were you aware the account had been assigned – did you receive a Notice of Assignment? Cannot recall this

Did you receive a Default Notice from the original creditor? Yes

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments:- had to service priority debts

Was there a dispute with the original creditor that remains unresolved? Charges

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No

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have you sent your requests, cca request to claimant and cpr31.14 to claimants sols, by recorded delivery

 

if you have not do so at once

 

you MUST not miss your defence submission deadline replies or not

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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claim dated July 29th

 

YOUR SUBMISSION DEADLINE IS THIS SATURDAY AUGUST 30th (33 days inc date of issue)

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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send all requests by recorded delivery

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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was this your MBNA virgin card

 

 

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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Couldn't get to the post office today, but don't want to mess up on a technicality.

 

The claimant is Arrow but payments should be sent to their solicitors, Wilkins Chapman.

 

Who should the requests be sent be sent to?

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cpr to sols

 

 

CCA request to the claimant

blank £1po

 

 

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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nope

 

 

cca claimant

cpr sols

 

 

go read a few threads in this forum

 

 

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... 

Link to post
Share on other sites
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