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Arrow/Drydens claimform - old 02 account

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Hello

 

I see that there are a few new threads on here regarding county court papers filed by the DCA companies

I have jus received one in the post today from Arrow global with regards to an old 02 account for £473.53

 

Date of default 8/10/2011

 

This account will be statute barred in Nov of this year

 

I now have to defend it, so what would be my best response please

 

This o2 debt has been passed around a couple of DCA in the past 5 years and 6 months

 

Thank you

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Date of issue – 25/04/17

 

What is the claim for –

 

1 The Claimant’s claim is for the sum of £558.53 being monies due from the defendant to the Claimant under a mobile telephone contract between the defendant and Orange (reference .....

 

2 The Debt has been legally assigned to the Claimant and a Notice of Assignment has been provided to the defendant.

 

3 The Defendant has failed to make payment in accordance with the terms of the contract and the current balance on the account is £558.53

 

And the claimant claims

1.The sum of £558.53

2. Costs

Contact drydensfairfax solicitors

On 0113 823 3850

 

What is the value of the claim? £558.53

[

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Mobile

 

When did you enter into the original agreement before or after 2007? Not sure my noodle credit report says account started 2010 I think that is when Arrow started not

 

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. The Debt Purchaser has taken it to court

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Not a hundred percent certain I did get letters from the DCA saying that they had the account

Did you receive a Default Notice from the original creditor? It was along time ago I don't think I had moved

 

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

 

Why did you cease payments? I have never made a payment

 

What was the date of your last payment? No payments made

 

Was there a dispute with the original creditor that remains unresolved? No I did offer to pay them direct and they refused

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan ? I did say that I had lost my job at the time No I didn’t enter a Debt Management plan

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So statue barred then?


please don't hit Quote...just type we know what we said earlier..

 

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Just thought I would like to add that the wording of the claim form they say it is for a Orange with an account number

I have never had a Orange account it was O2

 

No unfortunately the first date of default on my credit file is 08/10/2011

 

Just thought I would like to add that the wording of the claim form they say it is for a Orange with an account number

I have never had a Orange account it was O2

 

Just checked my credit file and the first default starts in June 2012 there isn't anything on there before that

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so id guess you've moved and didn't have mail redirection and someone then undertook identity theft..


please don't hit Quote...just type we know what we said earlier..

 

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Hi Dx100UK

 

 

Thank you for replying and looking at it

 

What would you suggest I put on my defence

should I ask the solicitors for the account info they have and deny all knowledge of it

 

will they have the original account paperwork ?

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pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

dx


please don't hit Quote...just type we know what we said earlier..

 

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Hi dx

 

I have filled out the form

 

and this is the car 31:14 I will send to Drydens

 

[removed - dx]

now go read the top red bit on the 31:14

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^^^^^^


please don't hit Quote...just type we know what we said earlier..

 

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HI DX 100uk

 

I have had letter back from

 

saying that this was originally a o2 matter and as such there is no provision for our client to provide a copy of the service agreement or default notice in this matter statements have been requested and will be forwarded to you upon receipt

 

as a county court claim form has been issued against you we suggest you complete and return the claim form including any offer of repayment you wish to make

 

I thought I had filled out the form on line defending all of the claim

 

the accounts been put on hold for 14 days

 

should you fail to respond to the claim form Judgment will be entered in default against you

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you have - ignore them

 

 

they are saying it IS an o2 account

but their poc says orange?


please don't hit Quote...just type we know what we said earlier..

 

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Let them disclose the paperwork for the Orange Account :-D


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HI DX 100uk

 

I have had letter back from

 

saying that this was originally a o2 matter and as such there is no provision for our client to provide a copy of the service agreement or default notice in this matter statements have been requested and will be forwarded to you upon receipt

 

as a county court claim form has been issued against you we suggest you complete and return the claim form including any offer of repayment you wish to make

 

I thought I had filled out the form on line defending all of the claim

 

the accounts been put on hold for 14 days

 

should you fail to respond to the claim form Judgment will be entered in default against you

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Just submit your defence as normal by Friday 26th May....then they cant request judgment be entered.


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 The National Consumer Service

 

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HI Andyorch

 

I filled out the claim form on the MCOL site using the password on the on the original form, do I also have to fill out the form as well ?

 

Thank you for your input

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No you submit your defence the same way as you acknowledged service through MCOL


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 The National Consumer Service

 

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Hi Andyorch

 

Ok I have spoken to the court they explained about submitting my dispute

 

what would you suggest i put down on my defence please

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not due till Friday week

plenty of threads here to read to get upto speed...

 

use the search cag box of the top red toolbar

 

claimform mobile debt


please don't hit Quote...just type we know what we said earlier..

 

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What dispute ?

 

Time to start preparing your defence and reading other threads with similar claims and claimants and put a draft together..this is a self help forum cancookwill :wink:

 

Andy


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 The National Consumer Service

 

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

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Hello

I am sending my defence via email today

 

I have just put in my defence for this claim

 

I put that I Acknowledge no debt for a mobile contract from Orange

 

I have never received or seen the original Notice of assignment

I have never had a Orange account

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why via email? use MCOL website!! as post 19

 

 

can you post it up here and we'll check it

dx


please don't hit Quote...just type we know what we said earlier..

 

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