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    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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Arrow /Restons Claim Form - old santander HP loan debt


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To cut a very long story short,

my husband and I have clawed our way out of debt over the years and now I at least have a decent credit rating again.

 

However, there's one glitch on the horizon.

We keep receiving letters from Moorcroft about an alleged debt belonging to their clients, Arrow Global.

 

We CCA'd Moorcroft with the usual Postal Order.

They sent this back, despite having filled it in so we can't cash it, stating that they have returned the debt back to Arrow Global.

 

A few days later we received a letter from some solicitor acting on behalf of Arrow Global stating that our CCA request wasn't legal as my husband hadn't signed it. We are very reluctant to sign anything, so can we request the information over the phone?

 

We have received several of these letters and have now received a notification that they are taking us to court. What can we do?

Realise the impotence of proofreading everything you write.

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Normal stalling tactics from them.

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..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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have now received a notification that they are taking us to court

what is the nature of the letter, do they say 'will' commence court in x days.

who is the solicitor.

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What's the debt all about?

Is it on your credit file?

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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Good chance it is SB if more than 6 years old which may be why they are sending strident threatOgrams, to fool you into paying. What is/was the debt for?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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notification?

was it a letter quoting Civil Procedure Regs or just a carefully worded letter to make you think that is what they are about to do.

 

 

There are a few incompetent solicitors but generally the latter is the truth and you arent being taken to court.

 

 

As for signing CCA request,

no law says yo have to so by all means resend request via sols and tell them that if they retun cq again they chould say under what legislation it is lawfully being refused.

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Thanks for all of your replies. It was that signature thing we were confused about. They have said they will ingnore all unsigned correspondence from us in the future, so I'm not sure whether or not we need to ask them again for it?

 

Here is the most recent letter:

https://s5.postimg.org/bt0sq77hz/arrow_global0001.jpg

Realise the impotence of proofreading everything you write.

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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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you will need also to register with mcol,acknowledge the claim and tick defend all

 

cca request to the claimant with £1 ( no need to sign)

cpr 31.14 request to the solicitors

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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that comes much later in the process fill out the above link for starters

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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moved to legals

 

 

please get that link filled in

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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Ok, thanks. We're going to CCA Arrow Global again, and we've found a letter to send to their solicitors requesting an inspection of documents. We're also going to fill in the court form defending the claim and asking for a change of jurisdiction, does that sound right? :)

Realise the impotence of proofreading everything you write.

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no!!!

 

stop please - wait....

 

fill that link out that you were asked to do in post 9

 

then we'll be able to advise PROPERLY

 

you don't use the physical claimform at all

 

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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Share on other sites

Name of the Claimant:

Arrow Global Management

Date of issue:

10th October 2016

 

What is the claim for – the reason they have issued the claim:

The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Santander dated on or about Nov 25 1999 and assigned to the Claimant on May 17 2013

 

What is the value of the claim:

£429.01

 

Claim is for credit allegedly entered into in 1999. HP

 

The claim has been made by the debt purchaser via their solicitors, Restons.

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?

Can't remember

 

Did you receive a Default Notice from the original creditor?

Can't remember

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year?

Not that we can remember

 

Why did you cease payments?

 

What was the date of your last payment?

 

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

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?

 

We're wary of answering these questions publicly as they may seem we are admitting to the alleged debt.

Realise the impotence of proofreading everything you write.

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no need ,if you want the correct defence its vital to know the last payment/ ack date

the more info you give the better your prospects of a successful defence

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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is there anything on his credit file relating to this debt?

 

 

do the give a number in the POC please?

what format is it 16 numbers or less

do they not say what type of credit it was loan credit card HP agreement?

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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HP. From years ago.

 

Last payment was earlier this year, we stopped a few direct debits due to financial circumstances.

Realise the impotence of proofreading everything you write.

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so wouldn't have been Santander then..abbey? cahoot?

 

what was it to do with?

 

have you popped up on mcol website yet and acknowledged the claim?

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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I'm very confused - it says Santander on the claim form. What is mcol website? I think it was for HP. I'll post the other letters we've received from them tomorrow as they may contain more relevant data. Thanks for all the help so far.

Realise the impotence of proofreading everything you write.

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in 1999 Santander didn't exist in the uk.

so its one of the companies like I listed was the original creditor#

and they got swallowed up in the buyout...

 

 

mcol is the moneyclaimonline site

LOOK AT THE CLAIMFORM..

 

 

you need to pop up on the site

register

then using the details from the claimform

acknowledge the claim

defend all

leave jurisdiction unticked

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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as post 15 says...

 

 

8 days out of 33 already wasted ...get moving...

 

 

did you send our CCA request?

and when?

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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Share on other sites

in 1999 Santander didn't exist in the uk.

so its one of the companies like I listed was the original creditor#

and they got swallowed up in the buyout...

 

 

mcol is the moneyclaimonline site

LOOK AT THE CLAIMFORM..

 

 

you need to pop up on the site

register

then using the details from the claimform

acknowledge the claim

defend all

leave jurisdiction unticked

 

Hi there, I'm the OPs hubby and thank you all for your help. I'm just about to fill the Claim Form online why should I leave "I intend to contest jurisdiction" unticked? I don't want to be forced to go all the way down to Northampton, could you kindly explain :)

Did you know that banks take out insurances to cover for your loans so, in the event you cannot pay back, they get their dosh back anyway! :eek:

 

:) Enjoy arcade games? Then click here to join, it's quite FREE you know! :whoo:

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