Arrow/reston Claimform - old Littlewoods CAT 'debt'

[gooseman]

Evening all,

 

I have recntly recieved several calls from a company called arrow global asking me personla questions

to "deal" with a supposed outstanding debt.

 

Due to so many [problem]s out there i told them i would not give personal details to confirm who i was.

 

Today i recieved a Claim form, with several others included.

 

The first being a Claim form with the number N1CPC on the bottom left hand corner.

 

In it it states i have an outstanding debt from 2002 for littlewoods,

and that it was assigned to the claiment on may 17 2007

 

I see no stamp or seal on the form,

i assume this is a stamp from a stamp machine,

not a preprinted stamp on the form with a crown

and the words the county court, no real stamp just the preprinte one.

 

I have since this date had another little woods account at the same address

and a ISME account who are also littlewoods at the same address,

i do not recall this debt have no paperwork from 13 years ago

and have never to my knowledge agreed to pay Arrow any amount.

 

Am i correct that this debt is past it date ,

i recently out of curiousity got my exeparian credit file

and i have no CCJ's on it or any ourstanding debts of any sorts.

 

I really dont know about this debt and am sure its statute barred if they received it in 2007 and their letter is dated 21 jan 2015

 

Plus if i did have the debt surely littlewoods would have done something sooner then 5 years before selling the debt to arrow??

 

Any help would be appreciated ,

 

 

i dont want to just ignor this letter in case it is genuine,

 

kind regards grant

[dx100uk]

please fill this out and paste the results here

 

 

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

 

 

fo the other debts you have had std threat-o-grams for

go make start a new thread in the mail order forum.

 

 

dx

[Ganymede]

Do not ignore the Claim Form as it sounds genuine.

 

Instead you need to answer the questions in the link DX gave you.

[gooseman]

Name of the Claimant ?ARROW GLOBAL ACCOUNTS

 

Date of issue – 21 JAN 2015

 

What is the claim for –

The claimant claims payment of the overdue balance

due from the defendant under a contract between the defendant and littlewoods

dated on or about the 17 dec 2002 and

assigned to the claimant on may 17 2007 in the sum of 551.37

 

What is the value of the claim? 681

Is the claim for a current or credit/loan account or mobile phone account? Catalogue Debt

When did you enter into the original agreement before or after 2007? 2002

 

Has the claim been issued by the original creditor o

r was the account assigned and it is the Debt purchaser who has issued the claim. debt purchaser

 

Were you aware the account had been assigned –

no not written, just several calls from arrow,

but as i woudnt divulge personal info over the phone,

they never told me it was for littlewoods on the phone

 

Did you receive a Default Notice from the original creditor? possibly, but i dout it as they gave me a account several years later

 

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

 

Why did you cease payments?

I never started any if they mean a agreement to pay monies owed,

i assume if i did have that account it would have been paid back in full back

then if i defulted, but again if i had it doubt they would have given me a account in 2010 i believe it was.

 

What was the date of your last payment? if regarding paying the original account i have no records

 

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

No Idea, I did phone littlewoods and asked if i still owed them money and they could not find my account as it was so long ago

 

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a plan? No Idea if i was behind i am the type of person to make a arrangment to settle any monies owed

 

[gooseman]

DX,

 

Please explain what you mean by the below, i dont understand the sentance,

i have no other debts other than my morgage,

and the usual credit cards, which are all in very good stead and always paid in full.

 

I can afford the 681 they demanding dont get me wrong,

but i have seen so many posts of people getting ripped off

and i dont want to be another ripped of person.

 

 

......

 

for the other debts you have had std threat-o-grams for

go make start a new thread in the mail order forum.

 

 

dx

[oleg]

Leave that . He thought you may have other debts.

 

Arrow rarely phone "customers" themselves. They leave it to their henchmen. It will have been Restons who called you, pretending to be Arrow.

 

Goodness knows why they've taken over 7 years to call you. And has your address stayed same?

 

If you've definitely not paid towards this account in all that time, you're right in suspecting it to be statute barred.

[dx100uk]

is that ALL that is under the Particulars Of Claim?

 

 

dx

[dx100uk]

who are the sols please

[oleg]

Looks like Restons. They adopted that style recently to assist their saying they not mentioned anything for cpr 31.14

[gooseman]

is that ALL that is under the Particulars Of Claim?

 

 

dx

 

Dx it is restons yep, and no i have no other debts other than the usual monthly bills etc, and yes what i type in reply to the form is ALL that is stated on the claim form, there is no other information at all

 

Gooseman

[gooseman]

Oleg,

 

i have to be honest i really cant remember if a payment arrangement had been made, but i can only assume that if i had it would have been paid off at the very least, due to the fact they gave me a account around 2009 of which i used, paid up normally and closed the account, and yes i have lived at the same address since 2001

 

Gooseman

 

 

I really am clueless here, i thought if it was over 7 years then its statute barred, and surely unless they sent me a letter recorded delivery they have no proof i ever recieved any letters from them(which i did not btw). plus as my credit file as stated before is clear of any ccj's or adverse comments this alone should tell me that its not a outstanding debt, is any of this true??

 

regards

Gooseman

[AndyOrch]

6 years 5 in Scotland ...Statute Barred

[gooseman]

opps sorry just saw my post for the form clipped off all the claim info

 

let me type it word for word here again

 

The calimant claims payment of the overdue balance due from the defendants under a contract between the defendant and Littlewoods, dated on or about the dec 17 2002 and assigned to the claimant on may 17 2007 in the sum of 551.37

particulars ac no xxxxxxxx

date item value

08/08/2014 default balance 551.37

 

post refri Cr nil

 

total 551.37

 

 

THAT IS EXACTLY AND ALL IT SAYS IN THE PARTICULARS OF CLAIM BOX

 

its signed(well printed name not actual signature) xxxxxxxxx

Edited January 25, 2015 by Andyorch
removed

[dx100uk]

get the claim ack'd {AOS} on the MCOL site

 

 

defend all

leave juris unticked.

 

 

it says this is a catalogue debt

 

so get a CCA [blank £1PO, don't sign anything] off to arrows

 

 

and the CPR 31:14 to rectums from the legal library section of the top green library tab

[gooseman]

get the claim ack'd {AOS} on the MCOL site

 

 

defend all

leave juris unticked.

 

 

it says this is a catalogue debt

 

so get a CCA [blank £1PO, don't sign anything] off to arrows

 

 

and the CPR 31:14 to rectums from the legal library section of the top green library tab

 

Hi Dx,

 

I really appreciate your help, but please can you retype that message without abbreviations,

 

 

i have no idea at what half these things are,

 

 

i am a layman,

 

 

i have no legal/financial knowledge regarding these things.

 

 

Please dont take this as me being rude i genuinely am not, but i just need to know exactly what to do.

 

Also surely sending a Po (i assume a postal order) is acknowledging that there is a outstanding debt then and offering £1 payment?

 

Regards

Gooseman

[gooseman]

get the claim ack'd {AOS} on the MCOL site I HAVE NOW DONE THIS AS YOU SAID

 

 

defend all I DID DEFEND ALL

leave juris unticked. I HAVE NO IDEA WHAT THIS IS AND SAW NO WHERE WHISLT DOING INFO ON MCOL SITE ASKING FOR JURIS

 

it says this is a catalogue debt

 

so get a CCA [blank £1PO, don't sign anything] off to arrows

 

 

and the CPR 31:14 to rectums from the legal library section of the top green library tab

i will check out the above form now

 

Gooseman

[gooseman]

Dx,

 

I will send the CCA request tomorrow with the letter in the library as you mention, the only question i have now is if its not 77 or 78 or 79 what is it for catalogue then?

I assume i need that number as a referance to the relevant law for there benefit

 

regards

 

Gooseman

[oleg]

Jurisdiction - means within the court's power or remit - you would tick if your residence is abroad for example - obviously not relevant here

[dx100uk]

CCA request

 

 

read the full link please. the info is there

 

 

sec 78 for a cat debt.

 

 

dx

Edited January 25, 2015 by Andyorch
Section request altered

[gooseman]

CCA request

 

 

read the full link please. the info is there

 

 

sec 78 for a cat debt.

 

 

dx

 

Hi DX,

 

i did read the full thread in that link the first time, thats how i was able to tell you i will send the letter with the info as mentioned in that thread off

 

 

tommorrow via special delivery,

 

 

that is also why I asked what the law number that was appropriate to Littlewoods,

 

 

because in that threa you mention 78 is for credit card, that is why i didnt think it also covered catalogues.

 

I believe i have done what was suggested,

 

 

i opened the defence on the site you mentioned,

 

 

i have drafted the letter to post off with the £1 po as you suggested both here and in the other thread.

 

Is there anything else i need to do, or is that it and then just wait.

 

regards

 

Gooseman

[oleg]

CPR 31.14

 

Restons will only send rubbish back but you still have to request it'

[gooseman]

Thanks oleg

 

I will check out what that is and request it

 

Gooseman

[dx100uk]

get the claim ack'd {AOS} on the MCOL site

 

 

defend all

leave juris unticked.

 

 

it says this is a catalogue debt

 

so get a CCA [blank £1PO, don't sign anything] off to arrows

 

 

and the CPR 31:14 to rectums from the legal library section of the top green library tab[/QUOTE]

 

 

from post 14

[gooseman]

Gents,

 

a update of this situation.......

 

I acknowledged on mcol site,

 

 

i sent the form to Arrows and restons as mentioned by yourselves and included the £1 postal order

and used the template i was directed to requesting the CCA and all the documentation etc.

 

I received a letter back from mcOL stating they had received my defense and had sent a letter to Arrow stating

i intend to defend this claim, and that they had 28 days to respond.

 

With work commitments, i was only able to send the letter 13 days ago as of today,

 

I contacted MCOL on their helpline,

they have not heard back from Arrows' yet (they have till the 28Feb) ,

i have had nothing back from Arrow's or Reston's and today is day 12 of the request,

 

 

i did both via recorded delivery and have checked on the royal mail site

and both parties signed for the letter receipts the following day to me sending them.

 

What i need to know now,

is what is the next step,

if they have ignored the request for the CCA ,

is this something i inform the MCOL about or is this something i mention if it goes to court?

 

Regards

 

Grant

 

ps i did add a additional line in the letter i sent to Arrow, the CPR 31.14 letter and it had the added line below

Please note this is NOT an acknowledgment of debt, Just the documents pertaining to the claim made against me.

this was done as i was concerned after reading a lot on here about correspondence being used as a acknowledgment

 

 

[gooseman]

THIS IS A COPY OF THE CPR 31.14 LETTER I SENT TO ARROWS

 

Dear Sir,

 

removed - please do not post our templates in the open forum - dx