Arrows/Blake Morgan Claimform - old HBOS OD poss SBd

[m119]

I was 20 when Halifax said hey, fancy a £10k overdraft limit and a £7,000 loan at a large APR.

Stupidly I said yes.

I tried to keep up, but failed.

 

We're 11 years down the line, the debt has passed around from place to place.

I moved a few times, they chased, but I never answered a single letter or phone call.

 

2013 it went to Arrow global,

after that I found letters from capquest offering negotiations,

Arrow again seemingly,

 

 

then a month ago Blake and Morgan claim to have purchased the debt and asked me how much money I earn.

I ignored and today received a county court claim form.

 

First thing I did was ring the national debtline,

who said I should ring blake and morgan asking for a statement of accounts and when the last payment was made.

I did that.

 

 

I apparently made a payment to the account early May 2012,

they said this was most likely to Arrow as they had the account at the time,

 

 

afterwards I found paperwork which said Arrow purchased the account in 2013,

so this apparent payment can't of been to them.

 

Morgan said the account is on hold for 30 days for the moment,

and I was about to send a formal letter asking for the statement of accounts tomorrow when google led me here.

 

Looking through my old bank statements,

the last payment that went into that account was September 2010,

nothing else went in,

after that I stopped using the account as it was minus a large amount.

I have statements up to Feb 2011 clarifying this.

 

 

I can only assume I don't have any statements after this because the account was closed for no activity and being minus 10k.

 

There is definitely no way I have made this payment in May 2012,

the account should have been long shut.

 

 

I rang Halifax to confirm when the account was shut and after very nearly getting the information I need the call mysteriously hung up and when I rang back the other woman I spoke to said they can't give me the information.

 

Any advice would be much appreciated.

[dx100uk]

can you please fill this out:

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**

[m119]

Name of the Claimant ? - arrows

 

Date of issue - 7/8/17

 

What is the claim for –

1. The claimants claim is for the sum of gbp £10k being monies due from the defendants to the claimant under a regulated agreement between the defendant and HBOS and assigned to the claimant. Notice of the assignment has been provided to the defendant.

 

2.The defendant has failed to comply with the terms of the agreement and the agreement has been terminated and the claimant claims the sum of gbp10,000 together with the costs of this claim

 

What is the value of the claim? £10k

 

type of claim:Overdraft

 

When did you enter into the original agreement before or after 2007? Before 2007

 

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. Blake and Morgan purchased the account and issued a claim form

 

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

 

Did you receive a Default Notice from the original creditor? Can't remember, nor find any reference to any notice.

 

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

 

What was the date of your last payment? Sept 2010

 

Was there a dispute with the original creditor that remains unresolved? No.

Edited August 11, 2017 by Mr.P
Rounded the claim down to the nearest thousand.

[dx100uk]

are you sure the claimant was HBOS?

[dx100uk]

need the POC too please

dx

[m119]

Def HBOS, why do you ask?

 

Updated, apologies, missed that.

[dx100uk]

no it cant be hbos

its been sold to arrows.

 

 

so have you a copy of the claimform?

[m119]

Put the full amount in by mistake but it wont let me edit it out? Can someone do that for me?

 

That is word for word what is written in the POC above. Not sure I follow as to why it can't be HBOS? As stated in the first post it was sold to Arrow in 2013.

 

Yes, claim form is in front of me.

 

Thanks

[dx100uk]

so the claimant is arrows

[Mr.P]

Put the full amount in by mistake but it wont let me edit it out? Can someone do that for me?

 

Done. We only need approximate figures, to the nearest thousand is close enough.

[m119]

Yes, apologies, missed it, it is at the top of the form, assumed it would of said arrows in the POC.

[dx100uk]

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

 

use the search cag box of the top red toolbar

 

claimform HBOS OD

 

you might find it useful to also search managed loan.

 

dx

[m119]

Thanks very much, I have adjusted the letter and will send tomorrow.

 

Will have a look through some old threads now.

 

For whatever its worth I checked my credit report on Noddle last year sometime and notice the £10k debt there, having checked it today it isn't there anymore. There is a CCJ I didn't know I had though! Assume it'll probably best to start a new thread on that one.

 

Also best add the £10k is just for the overdraft, I think the loan had dropped off the radar.

[luckylad]

Blake Morgan solicitors?

[m119]

Indeed.

[dx100uk]

How can the claimant be HBOS if the debt has been assigned?

Can you scan up the front page of the claimforn to PDF please

Follow the upload

[m119]

Apologies, I did explain that in post 11, you were correct the claimant is Arrows. My excuse for missing it is it was in the location where address' in letters usually are, which most people (me at least) skip.

 

"LEGAL-CPR-31.14-Request-when-Claim-is-being-made-for-a-Current-Account"

 

Best check that is the correct CPR letter?

[AndyOrch]

Overdraft...current account...yes.

[dx100uk]

so sols are blake morgans nor restons?

[m119]

Solicitors are Blake Morgan, not heard of Restons, although read about the forum applied name for them.

 

it seems as for statute barred,

it all hinges on this rogue payment.

 

 

Having read other threads, it seems I'm not the only one to have been subject to this sort of mysterious payment.

 

I have most of my bank statements.

Halifax statements stopped in Feb 2011, last payment in was Sept 2010.

Another accounts showed no £35 payments out on the in the date of may they claim or around it.

 

I have no documentation from Arrow/whoever till around 2015/6.

 

Been reading various thread, all have been a success which is good, but the one which seems closest to mine failed which is a concern...

 

Hoist-Portfolio-Howard-Cohen-Claim-Form-Santander-overdraft-from-2009

 

(can't seem to link threads)

[dx100uk]

new kids on the block then.

 

 

this statement cant be true then?

a month ago Blake and Morgan claim to have purchased the debt

 

 

dx

[dx100uk]

now go ring Halifax back up and get that info

 

 

if they start playing games again

quote them the prevention of fraud act and the data protection act

whereby they MUST hold data for 6yrs.

and if you don't get it now you'll be on the phone the the information commissioner immediately

 

 

dx

[m119]

new kids on the block then.

this statement cant be true then?

a month ago Blake and Morgan claim to have purchased the debt

dx

 

Clearly not, they are the acting solictors. All a learning curve.

 

now go ring Halifax back up and get that info

 

if they start playing games again

quote them the prevention of fraud act and the data protection act

whereby they MUST hold data for 6yrs.

and if you don't get it now you'll be on the phone the the information commissioner immediately

dx

 

I have tried, but I couldn't pass security verification due to some pin number form 7 years ago? I have to go into the branch apparently. Despite the first time getting past it and the call conviniently cutting off.

Edited August 11, 2017 by m119

[m119]

Tried again, apparently the only way to access a closed account is to go into the branch with ID.

[renegadeimp]

its pretty standard fare for a DCA to invent a payment to try and claim a debt is enforceable. Especially a large debt. When they are challenged and put to proof, they simply claim its an admin error.

 

Sadly very few people understand this so they get away with it and rake in a ton of money.

 

Remember, its on THEM to prove YOU made the payment. not for you to prove you didnt.