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    • 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
    • PRA have purchased the debt 
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afteradvice1

shoplifting primark scotland| Police called, **UPDATE Clean CRB Clean visa check**

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Hi afteradvice1, I had a similar situation re the Divertion meeting with social worker. A few weeks after meeting the Procurator Fiscal wrote to me giving me a warning for the offence.

 

The letter says "if you accept this warning or if you are deemed to have accepted it, I shall not prosecute you for the offence.

 

The warning is not a conviction and shall not be recorded as one. Any alleged victim may be entitled to be notified of the disposal of the case against you.

 

Information about this warning will however be recorded on the Scottish Criminal History System and will remain on the system for two years. This will be used to help inform future police or prosecution decisions if you offend again and it will be disclosable under 'enhanced disclosure' in terms of Part V of the Police Act 1997 during this time."

 

My understanding (although might not be accurate) is that it may be disclosed in the 'Other relevant information' section of Enhanced Disclosures and PVG checks. From reading on the Disclosure Scotland site this info is included at the discretion of the Police Superintendent.

 

I know this might not be the same outcome for you but I thought I would share my experience.

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Thanks peggysue, I'll quote excerpts from my letter.

 

" I am writing to let you know that the PF has now considered your case and is satisfied that no further proceedings are required. This in effect means that your case is finished and will not result in a conviction being recorded against you."

 

It appears we had different outcomes. I'm just unsure if this means there will be no hits on a check.

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I've read up a bit about it and its just so unclear. I don't want to disclose I and put myself at a disadvantage if I don't have to.

Guess, I'll jus wait and see what happens.

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Seems like your outcome is less severe than mine. Have you thought about contacting Disclosure Scotland or appropriate body or even the PF office for clarification, just to get a definitive answer?

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I'm afraid so. I've tried contacting the department of social justice but my case worker is away on holiday. It didn't occur to me to contact DBS. Thanks, would do that.

 

I've made a small donation to the forum. Thanks you al for your help and I'll keep you updated.

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see how that goes

 

if all fails, and havent received anything, then could consider doing a sar see if there is anything on their pnc etc records.


IMO

:-):rant:

 

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Hello all, I'm here to update as promised.

 

Im so grateful to you all for the advice and support you gave me at what I consider the lowest point of my life.

 

As I posted last year,

I spoke to my Dr who placed me on antidepressants and I'm kicking myself for not getting help sooner.

I feel a lot better now and I'm beginning to forgive myself.

 

 

Went back to work in the financial sector last October.

I didn't disclose the diversion as I called the police information line and was told it would not come up in a crb check

Needless to say my check came back clean!

 

I renewed my work permit this year and that went fine as well.

 

And finally I requested a police report for immigration purpose and this came back with no live trace!

 

I am so grateful what happened was seen as our of character

and I will not have to live with the consequences forever.

 

I'm yet to hear from RLP but I honestly can't be a***d about them.

 

If there's anyone in this position reading my post,

don't hesitate to ask me questions,

I will definitely respond since I've walked in same shoes.

 

Thank you all once more!

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hey that's great news and as we expected.

 

 

not be a good boy:lol:


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:lol:

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

spreadsheets 

 

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Hi

Many thanks for coming back to let us know how things have turned out. I am so pleased for you that everything is working out. I will certainly link to your thread in the future if a similar situation happens to someone else.

 

You got the right help that was needed and the Scottish system should be copied elsewhere. Well done :-)


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Excellent news, what a great way to start the weekend!

 

Really really chuffed you are back on your feet, well done, :thumb:


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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That is fabulous news, so happy for you, and glad you are back on track. I'm still waiting to hear about my situation, no procurator fiscal letter and every day it's constantly on my mind. You outcome has given me hope as I have been terrified to apply for any jobs. As you say, really is the lowest point of your life! Thank you for the updste.

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