Stayed claim re EGG

[inbother]

I have received a letter saying "If we do not hear from you by X we have instructions to issue legal proceedings against you in county court to recover the full balance outstanding. PLease be aware that, if it is necessary to issue legal proceedings, there will be additional costs incurred for which you may be held liable"

 

Should I call them, if not what would you suggest as my next action?

 

Think this is around 6 months from SB.

 

Thank you

[Stigman]

Hi & welcome to CAG,

 

Can you please add more information with history about the debt, who it is currently with (OC or DCA) and who are the Solicitors.

 

Never call any DCA or Solicitors, keep everything in writing, you need a paper trail, DCA's etc. will just lie and intimidate you on the telephone, that is their preferred method of contact for this very reason.

 

Stigman

[inbother]

Hi there, thank you for responding.

 

The solicitors are a company called Drydens Fairfax, saying their Client is arrow global.

 

...unsure of how to handle!

[dx100uk]

sounds like a std phishing letter

 

 

what the debt please

[unclebulgaria67]

Hi there, thank you for responding.

 

The solicitors are a company called Drydens Fairfax, saying their Client is arrow global.

 

...unsure of how to handle!

 

If this is a consumer credit act covered debt e.g credit card, store card, loan, then send Arrow Global a CCA request, with a copy sent to Drydens with a covering letter advising that you have sent Arrow the request and until this statutory request is complied with, you are not able to consider the matter any further.

 

It is important to send the request, as it should stop them issuing a claim while it is outstanding.

[inbother]

Thank you for your responses.

 

They say it refers to an Egg loan, approx 8k.

 

I have been contacted by a number of different Agencies regarding this, but I didn't receive any communication to say it had been transferred the first time, indeed the only comms I received were to my new address saying it had been sold on from initial debt management company to Arrow and not from Egg to Arrow so they are the third people who have owned it.

 

It's confusing as I have a plethora of Account numbers they quote and nothing has a correspondence address... can you recommend where I can refer to for an address for Arrow, I can only find a PO box?

 

Many thanks in advance.

[dx100uk]

pers i'd keep quiet.

its a phishing letter

 

 

a DCA is not a BAILFF

and have

NO SUCH legal powers

 

 

how are you gauging the SB date?

 

 

dx

[inbother]

But if I do keep quiet and don't respond within deadline they may take me to court? It does say that they have been instructed to take me to court and I'd rather not get a CCJ.

 

If I write the letter will this reset the SB?

 

SB gauging from last payment.

 

[unclebulgaria67]

But if I do keep quiet and don't respond within deadline they may take me to court? It does say that they have been instructed to take me to court and I'd rather not get a CCJ.

 

If I write the letter will this reset the SB?

 

SB gauging from last payment.

 

 

If you don't have address and reference numbers for Arrow, you can send the CCA request to Drydens with a postal order for£1 payable to Arrow, asking Drydens to pass on the request.

 

Making this statutory request is your legal entitlement and does not acknowledge the debt.

 

Better to send the request, just in case it was a letter before action and they issue the court claim.

[inbother]

Thank you.

 

Having never bought a postal order before, I have read on here that I should not fill in the postal order - is this correct?

[unclebulgaria67]

Thank you.

 

Having never bought a postal order before, I have read on here that I should not fill in the postal order - is this correct?

 

It is like a Post Office cheque for the amount you ask for. They charge a small fee for issuing it.

 

You can leave the payee blank, so it us up to Drydens or Arrow who cashes in the order to deal with your CCA request.

[inbother]

Thank you, do you recommend putting for CCA agreement only on the back?

[unclebulgaria67]

Thank you, do you recommend putting for CCA agreement only on the back?

 

You can do that. Keep a copy of the CCA letter and send it while at the Post Office, asking for proof of sending. They will then give you a slip of paper confirming you posted the letter. They don't charge anything for proof of sending.

[inbother]

Thank you for your help!

 

So, not registered post?

[dx100uk]

CCA request or not

they'll issue a claim anyway if they want too.

 

wont make any diff

 

instructed = if, may, might, could,

 

as I said , i'd keep quiet

 

on a loan SB date might well be a few months after your last payment too.

 

you are inviting letter tennis.

 

if its been passed around for almost 6yrs then somethings a miss.

 

dx

[Peterbard]

Hi do you know the date you took out the agreement ?

 

Also I would not count on the agreement being statue bared six years from the last payment, far safer to go off when you received the default notice.

[unclebulgaria67]

Thank you for your help!

 

So, not registered post?

 

Your choice as to whether you want to send recorded.

 

Also your choice whether you send CCA request or do nothing.

[inbother]

I have a stayed claim from august.

 

My defence was based on no documentation.

 

Today I have received a copy of agreement with all details apart from terms and conditions, the agreement dates back to 2001

 

I also asked for default notice in the form of for request but this did not come in the bundle that I received, only a notice of arrears.

 

Does anyone have any idea of how I can respond,

would an unless order be an idea?

 

Or, just go back and re request the information?

I have been given until November to go back to the CCA,

but don't think they have supplied me with what they should have

- does this even count for anything?!

[dx100uk]

Is this your egg debt?

Who from?

Tell us the story please

Until/unless the claimant pays to lift the stay

They can send what they like

 

Unless the court write to you

Sit on your hands

[inbother]

They are claiming for a loan of 8k to egg.

Arrow instructed restons, after my defence was filed they took it back to their in house team.

[dx100uk]

ive merged an old thread that you left dead in January about this debt here too.

 

your story is rather confusing.

 

you indicated earlier the debt was statute barred

so what defence did you file?

 

and have you received anything from THE COURT since you filed your defence?

[inbother]

Sorry...yes I see...

Its not statute barred

Defence filed no paperwork despite requests

I suppose it was just a post to see what I should do next...

I have had comms from the court saying it's stayed, however since then I have received some, although not all, paperwork from arrow.

I just assume that they will apply to lift the stay and not sure where to go now....

Thanks

[dx100uk]

you wait till the court writes to you

rectums will always willy wave to unsettle a defendant.

 

 

dx

[ThedaBara]

Thank you.

 

Having never bought a postal order before, I have read on here that I should not fill in the postal order - is this correct?

 

Might they use the £1 as payment towards the debt, so they can say it's not statute barred? TB

[dx100uk]

too late now it was 6mts ago!!

you leave it totally blank and uncrossed

obv what £1 is for if they use it for another purpose

 

 

dx