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    • Lowell/CCJ Long story short, I have been working in my debts the last few months as I'm looking at getting a mortgage this year.   Alas my main issue is an old CCJ that I found from Lowell, it was for what I assume can be described as a doorstep loan. The date the CCJ is registered is from a person of time when I was working away on the other side of the country. However even on returning home I can hand on heart say i never saw any paperwork from the court (I may have seen it but I'm 99.9% sure I didn't. I emailed Lowell last year to ask if they would agree to a mutual set aside and was given the template answer of they had followed the correct procedure to file it etc. The only other thing maybe of worth adding is that the default on my file and the CCJ are for different amounts (please see attached pictures) So I guess I'm asking if I have any options of getting it set aside? I can afford the payment in one but wanted to check if I have options to have it set aside rather than just having it as satisfied on my file for another 4/5 years
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marco23

Moorcroft for Arrows - chasing OH's M+S card debt

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Wont go near a court without enforceable paperwork

Bye bye debt!!


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

 

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ok yes that's IF they cant produce and i think a big IF,,  if they do are my options in the previous post the best route to keep it out of CC

tthanks in advance

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until / unless they cough up and we check things over 1st.

 

its a big IF the otherway around..


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

 

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thank you all.il follow up when/if the paperwork comes

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hi all and thanks in advance for everything, The CCA request went off on the 9th and the 12+2 time has elapsed and not heard anything from Arrow Global, i was wondering what is my next step?

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yours is not the next move.

 

 


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

 

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3 hours ago, dx100uk said:

yours is not the next move.

 

 

thank you DX

they are due to be paid £5 next week sometime so i'm going cease making payment, as you say my move is not next its theirs, either put up or shut up i suppose  😉

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is been getting on for 6 weeks now since the CCA request went off to Arrow Global, ,

they have not responded,

 

Moorcroft who were collecting the debt have had their payments ceased on the 9th August and nothing from them either ,

 

i was wondering if this is normal,

seems strange not receiving a letter from Arrow saying either were looking for it or we found it or we have not got it.

 

i would assume after 6 weeks they cant find it so is that it nothing more happens unless in the unlikely event it pops up..

thanks in advance

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as my last post

get reading any dca posts here

get upto speed

 

dx

 


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

 

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just a brief update,

 

i received a letter off Arrow Global Ltd

however i don't think  its related to the CCA request

although it may have instigated them to fall in line with procedure,

 

its a statement from 1st April 19-31st August 19,

nothing like this has ever come before over the last 6/7 years,

i was not sure of the original date of agreement 

but its on this statement as 2004 so the account is older than i thought

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its simply a statement they must send as they are now the creditor

simply ignore it 

 

dx

 


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

 

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just to update, i have received a letter this morning from Arrow Global-

 

We thank you for your letter and acknowledge your request for documentation pursuant of the consumer credit act 1974.

We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining that which has been requested.We will now process your request for documentation from the creditor and will respond in due course.

We confirm that all collection activity will be suspended pending provision of the documents.

 

So i assume Arrow have not bought the debt and are collecting for either another DCA or indeed the origianol creditor in this case would be Marks & Spencer. not sure to as if this is good news that they have not produced it or bad news they may be going back to M&S,Can anyone chuck some light on it for me

 

Many Thanks to all

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no read it properly

they have bought the debt.

you've already received their notice of assignment.

 

std letter they send to every CCA request in reply if you go read like threads.

 

dx

 


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

 

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thanks DX..

.i have dissected it over and over lol and refered back to other posts on other threads,,

they have bought the debt,

they are going back in the hope they may find it with the OC?,

 

in your opinion what would you say are the chances are of it being found as its from 2004?

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" We thank you for your letter and acknowledge your request for documentation pursuant of the consumer credit act 1974.

We do not accept that we are the creditor as envisaged by the above statute. "

 

Arrow really need to read and understand section 136 of the Law of Property Act  :becky:

 

Andy


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HI all

just to update, it looks like the credit agreement has been found, today i have received a pack containing-

(1) all staements

(2) a default notice

of which has no figures, example-

This default notice is served on you relates to account number xxxx xxxx xxxx xxxx

You have not paid instalments due under your agreement. You are £xxxx.xx in arrears

in order to remedy the breach ,you must pay the total arrears of £xxxx.xx

(3) credit agreement

which is a photo coppy of the card application, it appears to be true and dated and signed

any further input from anyone would be most welcom,thank you

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scan all the return upto one multipage PDF

read upload

 

 


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

 

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1 minute ago, dx100uk said:

scan all the return upto one multipage PDF

read upload

 

 

thank you DX, i have no scanner im affraid, if its a good idea i could pick one up tomo from ASDA or somewhere tomorrow ,is their any info you require that i can read off and post on this thread

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Read upload


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

 

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