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    • Attached. Sorry about the delay.    The first few pages seem to have gone out of sync when uploading. Sorry about that.    As yet no reply from the company to advise of how much the arrears are to release the vehicle.    edit: this is the second load agreement can’t seem to find the first I think it may still be in the car... I imagine it will be pretty identical though except it was £500 convert-jpg-to-pdf.net_2019-10-17_22-19-27_2-compressed.pdf
    • Thank you dx.   Will I not be sent to a credit agency or affect my credit score?   Thanks so much for your help.
    • I never have to be honest. Their recent discounts are way off what they were before. Used to be 75% off and such.   ill CCa them tomorrow
    • Ah no DX apologies.   its never defaulted. We had a an agreement in place whereby they didn’t default the account so every statement that came through had the interest frozen and I was just chipping away at it.   which is why this doesn’t make sense. Surely it has to default before they sell it? I’m totally ruined if this Company now applies a default .
    • name the issuing court: Airdrie Sheriff Court   Who Is The Claimant: Arrow Global Limited   Who Are the Solicitors: Shoosmiths LLP   What type of action? (Simple/Ordinary): Ordinary   What is the claim for – The Pursuers are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement between the pursuers and hbos plc dated 28/02/2017, the pursuer acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the defenders to the original owner which were in existence as at the date of the agreement, and in particular in relation to the contract hereinafter condescended upon. The said assignation was intimated to the defender by way of a written notice on or around 28/02/2017.   The said contract between the Original Owner and the defender is a regulated credit agreement in terms of Section 189 of the consumer credit act 1974. It is dated 21/01/2008 and relates to a personal loan agreement with account number XXXX. It was a term of said agreement that a failure to meet any instalment on a due date would render the account in default and would entitle the pursuer to serve notice of default on the defender requiring the defender to remedy the breach within 14 days which failing the agreement would be terminated.   date of raised claim :- ?   Last Date Of Service:- ?   Last Date For Response:- 7/11/19?   What Documents are listed in Box E2: a copy of the credit agreement statements of account and notice of assignation will be produced in any defended process to follow hereon.   Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- personal loan     BOX D5 what has the claimant stated: make payment of the sums sued for …..   from your knowledge: answer the following:   When did you enter into the original agreement before or after 2007? 2008   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.:- debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment?    Did you receive a Default Notice from the original creditor? believe so   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? unsure   When was you last payment:- 11/2016   Why did you cease payments:- 11/2016   Was there a dispute with the original creditor that remains unresolved? no   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes dmp til 11/2016
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then back to post 2 again then.

 

 

dx


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RLP will not do ANYTHING. They havent done anything to anyone since 2012. Why? Because they CANT.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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I've read some of their other letters on other threads and they mention that they may 'advise the client to issue proceedings' if it not settled.

 

 

I'm really scared about receiving that letter.

 

 

If I write to them and inform them of my antidepressants will they remove the fine?

 

I have now received my third letter.

 

I have attached it to this reply.

 

Could you take a look at it and let me know if this is normal?

 

When will they stop writing to me?

 

How long will I keep receiving these letters?

 

I leave this flat in 2 weeks until middle of July

when I come back for uni graduation and then my tenancy ends forever and I move back home.

 

The letters won't reach me so if I do get a court summons I won't know. I'm scared.

 

The letter basically keeps asking for me to inform them of any circumstances which I would like to be taken in to account.

 

I think they are saying this cause I told the security guard about my antidepressants.

 

If I inform RLP about my medication and tell them I was stressed with uni exams and money problems will they drop the claim?

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there is not nor will there ever be any court claim

 

ignore them

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Billi you wont get taken to court by RLP, they are all hot air and p***, please calm down and enjoy the celebrations for ending your Uni time...you have worked hard and deserve some party time :)

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You have made it so far so not much further to go. I wouldn't do this but it is your choice on what to do.

 

A couple of others have obtained proof of their mental health issues and sent it to RLP where they have stopped the chasing. If you decided to follow this route, you would need to go to your GP and get written proof so that you can forward this on to RLP.

 

I am only mentioning this as it is right for you to have all the options available bearing in mind that RLP do not have to accept anything in mitigation and of course you would be admitting to the 'alleged' actions.

 

Personally, I would stick it out. Once the debt collection letters start, you are nearing the end. You have done well so far. You can do it. :-)


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Also they sent a FAQ sheet and it says their claim is NOT a speculative invoice

 

Please continue to ignore as advised, your nearly at the end of the letter chain now & your doing well.

 

If you have a spare 5 minutes, can you scan the FAQ sheet please.

 

Stigman

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NEVER telephone a DCA

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

 

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