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    • Beware using the word "mitigating". That is only if you're admitting it and asking them to be lenient because x,y,z or whatever.   You are not admitting it so there can't be anything to mitigate something you didn't do.
    • pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual  note the long gateway number given  then log in .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time  click thru to the end  confirm and exit MCOL. . .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]  
    • Could you perhaps use the quote button so as to minimise confusion?  It's difficult to distinguish between what you quote and what you are saying.  (Actually it is quite easy to tell the difference).
    • Name Of Claimant - Lowell   Date of Claim - 11th nov 2019   What is the claim for – the reason they have issued the claim? 1)   the defendant entered into a consumer credit act 1974 regulated agreements vanquis under account reference xxxxxxx 2)   The defendant failed to maintain the required payment, arrears began to accrue 3)   The agreement was later assigned to the claimant on 29 September 2017 and notice given to the defendant 4)   Despite repeated requests for payment, the sum of 2247.91 remains due outstanding And the claimant claims a)The said sum of £2247.91 b)The interest pursuant to S 69 county courts act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £xxxx, but limited to one year,  being £xxxx c)Costs   What is the total value of the claim? £2247.91   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No I received the PAP twice?   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? NO   Did you inform the claimant of your change of address? NA Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? CREDIT CARD   When did you enter into the original agreement before or after April 2007 ? NO   Do you recall how you entered into the agreement...On line /In branch/By post ? BY PHONE/POST   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? YES   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 HAS BEEN PASSED TO LOWELLS   Were you aware the account had been assigned – did you receive a Notice of Assignment? I CANNOT RECALL   Did you receive a Default Notice from the original creditor? I BELIEVE SO YES   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? NO   Why did you cease payments? LOST MY JOB AND COULDN’T AFFORD PAYMENT/INTERESTS   What was the date of your last payment? APPROX JAN 2015   Was there a dispute with the original creditor that remains unresolved? I asked for the CCA and they sent me a computer printed balance statement   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I believe I contacted them explaining I had lost my job and for a holiday period which they refused. Although I cannot recall 100%   Just to sum up what has happened through this thread: -       defaulted around May 2015 -       2017 lowells got involved, asked for my CCA from OC and SAR. Vanquis, no acknowledgement of the dsar/ sar, they have however sent me their terms and conditons, fact sheets, along with 2 computer print outs of my details. I think they were considering it the CCA. -       lowells sent pap, replied, they sent again, replied again -       Court claim    
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natash76

Old GE Money Secured Loan Sold to arrows - Arrow Global - Asking for 3 Months Bank Statement plus Old Secured Debt

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Thanks for the info.

I have a letter from them about a 16k debt.

They are threatening to repossess my house.

Should I follow the instructions above in regards to a SARS and the CCA Request?

 

Should I refrain from calling them?

Thanks

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I can please request advice

 

I have an old secured debt with GE money.

They sold it to Arrow Global.

 

I asked for the neccesary paperwork using a letter I foud on here and I (they ?) sent me my original application form for the loan (signed) plus other letters concering transfering of the debt.

 

 

Plus another two letters involving Eversheds Solicitors

- A letter Entitied:

Notice of change of legal representative

and the other one 'Global Substitution Order'

- stamped by the High Court of Jutice (I dont understand it, it looks dodgy too)

 

Arrow G are now asking for 3 months bank statements and income and expediture.

 

The loan is secured on my house, its for 15,000 but interest has accured.

 

Loan was taken out 2007

 

I dont want to give my bank statements.

 

Thanks

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why do they want them, don't they believe you cant pay it at the rate they want it?

 

whats the full history please

 

have you sent an sar to GE money [santander ] to get all the statements?


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So you sent Arrow Global a CCA section 77 request after your loan was assigned to them from GE Money ?

 

They have complied and returned a copy of the agreement and now want I&E to determine how much you can afford to pay them monthly ?

 

Andy


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Yes that's right.

 

They want 3 months bank statements.

 

I just wanted to know my rights.

 

why do they want them, don't they believe you cant pay it at the rate they want it?

 

whats the full history please

 

have you sent an sar to GE money [santander ] to get all the statements?

 

Yes I sent a SAR and they haven't responded yet.

I've only received my original application form and a letter saying the debt had been transferred to Arrow

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How much interest has accrued ? ....and from when...? none since it was assigned to Arrow ?

 

No communication with Arrow from here on and certainly no bank statements or I&E


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So no contact ?

What if they threaten court action?

I know they are dealing with Eversheds..?

What rights have I got?

Thanks

 

How much interest has accrued ? ....and from when...? none since it was assigned to Arrow ?

 

No communication with Arrow from here on and certainly no bank statements or I&E

 

From 2007, nearly 2000 interest has been added to the loan.

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What date did Arrow acquire the Debt ? and can you post a copy of the agreement they have sent (redacted)


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What date did Arrow acquire the Debt ? and can you post a copy of the agreement they have sent (redacted)

 

i hope that works

arrowglobal.pdf

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that reads to me theres a current court claim against you?

 

 

dx


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I think its best to give us the full story here natasha of whats going on...why you are requesting payment arrangement being on benefits and when did the court claim start ?

 

Andy

 

PS I have altered your username to protect your anonymity


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1) I didn't know I had a court claim against me.

 

2) I didn't request a payment arrangement.

They called me and I said you need to respond to my letter in regard to the change over from GE money.

Then they sent these letters ( as one pack) as a response.

 

3) I haven't been responding to any letters in regards to the loan as I've not been in the property, due to caring for someone at their house.

 

4) The court letter looks like it's letting me know that they have changed from GE to Arrow Global. It doesn't say anything about my home being repossessed.

I haven't been to court.

 

They took over the loan and want payment.

I don't want to give them my bank statements.

I am prepared to pay a small amount.

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I think we may have read the letters wrong.

 

it looks like GE money have sold all rights to the secured loan they had to arrows

 

so thus they are now the owners of the loan and its security by way of the original charge

and that they have substituted their legal rep to eversheds.

 

so, if you were to search www.trustonline.org for the address

you'll find that they are now listed as the charge owner rather than GE money.

 

so.. i'd be getting an sar running to GE money

get all the statement and the documentations.

 

when did you stop paying GE money?


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I stopped paying years ago. I can't remember precisely.

When I get the SAR what will I do with it. Also what do i do with arrow in the meantime.

Ge money haven't responded yet to my SAR

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I think we may have read the letters wrong.

 

 

it looks like GE money have sold all rights to the secured loan they had to arrows

 

so thus they are now the owners of the loan and its security by way of the original charge

and that they have substituted their legal rep to eversheds.

 

so, if you were to search www.trustonline.org for the address

you'll find that they are now listed as the charge owner rather than GE money.

 

 

Well thats self evident from the documents,,,but why is there a claim number in Manchester County Court....proceedings....and Solicitors involved.?


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I have no idea, it looks like they are trying to trick me to be honest! Dont you think the stamp looks fake?

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No.....something is happening....possible forced sale ?

 

Ring Manchester County Court and as what are the proceedings in connection with .


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did you ring?

dx


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

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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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Please follow the advice given Natash, you need to know what they are doing behind your back !!

 

Update as soon as you have made that call please so we can help

 

JCx

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Guys, Thanks.

 

I have the letter here.

 

It just says, that they are letting me that an order has been confirming that Arrow Global Accounts Managment Limited are now the owners.

 

I rang the solicitor

 

its for an old order that they had over the house in 2010.

 

Its not in Court, the old order has just been signed over Arrow as they have bought the debt.

 

Can you please advise on the next course of action?

Thanks

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So Arrow now have the charge over your property in their name.

 

As previously requested post a copy of the loan agreement ...redacted.

 

Andy


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Agreement appears to look okay......so Arrow now want to agree a monthly payment...they have given you an I&E to complete and want to see 3 months bank statements.

 

The charge on the property is to secure the debt..so they have security.

 

What date and to who did you last make a payment ?

 

Andy


We could do with some help from you.

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

 

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To GE money years ago. Can't remember exactly when

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