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Arrow/Restons claimform - HSBC [1st direct] OD - Managed Loan debt

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absolute newbie! Please help!

 

have received a letter from Arrow Global headed "NOTICE OF ACCOUNT TRANSFER TO NEW AGENCY" dated the early August 2017.

 

it states the original agreement HSBC

- overdraft/original agreement date year 2000/transfer date to Arrow Global Jan 2016/ outstanding amount owed to Arrow Global 11k+ and advise I need to direct all enquiries to Restons Solicitors.

 

Letter 2 from Restons dated 18th Aug 2017 Re: Arrow Global Ltd v Yourself.

Saying hey act for them and they have reffered your account o us for legal action., together with an financial statement form.

 

Letter 3 dated late Aug 2017 from Restons now saying they have been instructed by Arrow Global to seek payment and advising I have been notified of their clients acquisition of rights to this account.

 

Then further that failure to contact them by the 12th Sept 2017 may include the issue of a county court claim.

 

The so called debt information is incorrect.

 

Banking facilities were withdrawn by HSBC 2014.

 

This debt went first to moorcrap and I think another before Arrow.

 

what should I do next please

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hi

over 10K was a credit card and approx. £800 was an overdraft. they seemed to have lumped the two together.

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yep so HSBC have pulled their managed loan stunt.

numerous threads here on these

 

get an sar running to HSBC get every piece of info you can

just incase it hits the shredder as it will be useful if they issue a claim.

 

when was the last time you paid anything.

 

looking at the value they'll most probably issue a claimform as its +£10k and will be fast track

 

have you moved since taking this lot out?


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Hi

I found a few statements of both accounts and the last payment was in December 2013. I also found a final demand of the full balance showing the current account and credit card balance. I have not moved house.

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just getting started on the sar but cannot sign into cag webmail, just states user name or password unknown.

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why do you need cag webmail?


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Hi dx

just wanted to use the cag mail system and templates. by the way these accounts were with first direct should send the sar to FD or HSBC.

thanks for coming back to us.

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same lot

 

templates are in the library

 

but you don't need them

just click sar


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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ok get that link done please

there more to do,


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

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Name of the Claimant ? Arrow Global Ltd

 

Date of issue – 15 September 2017

 

Date to submit defence - 17th October 2017

 

What is the claim for –

 

 

1.The claimant claims payment of the overdue balance due from the defendant(s) under a contract between the defendant(s) and HSBC dated on or about Jul 19 2000 and assigned to the claimant on Jan 21 2016

 

2.Particulars a/c no - xxxx

DATE 04/08/2017 ITEM Default Balance VALUE 11515.00

Post Refrl Cr NIL

Total 11515.00

 

What is the value of the claim? £12.133.00

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card and small current account overdraft

 

When did you enter into the original agreement before or after 2007? The current account was opened in the year 2000 but I cannot remember when I took out the credit card.

 

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 issued the claim.

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

I think the credit card debt was initially bought by Moorcroft and the overdraft was sold to a different DCA. I do not recall receiving a Notice of Assignment.

Did you receive a Default Notice from the original creditor? I received a default sum notice on the credit card account.

 

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

 

Why did you cease payments? Lost my job in March 2012 and savings had gone and could not afford the repayments.

What was the date of your last payment? The last payment I could find was 9th December 2013 on the C/C

 

Was there a dispute with the original creditor that remains unresolved? My dispute is that I was trying find employment and finally registered self employed in order to make money but they would not wait and withdrew banking facilities.

 

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

I wrote to the bank and informed them of my personal circumstances as my wife had passed away in 2012 and I lost my job the same year, I kept them informed and advised them I registered self employed in order to find income but in the end I was told they were withdrawing banking facilities.

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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 CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

dx


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yes I know it doesn't say its a card but send off a CCA request as well.

with regard to post 6

can you scan up that to PDF please

read upload.

 

 

dx


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Hey DX,

you read my mind, I was concerned as they are referring to the debt as HSBC-overdraft but have done the CCA.

Thanks for your time.

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well it should nicely trip them up

cause they will write back and say its not covered by the CCA

then IF it ever gets to the disclosure stage they produce statements from the card to back up part of their claim

you can bring it up.

 

 

these HSBC managed loans can be a minefield to unravel

lots of threads here on them

 

 

that SAR will be invaluable


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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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

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Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hey Dx,

just an update, have acknowledged claim online(MCOL) have edited 31.14 and uploaded and completed CCA. will post tomorrow. Is the upload of the 31.14 to ensure correctly edited.

any thanks saturdaykids

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don't need to se anything bar what ive asked for in post 17

ref the document you talk about in post 6

upload that please


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

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Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Upload unapproved

 

Name still showing on letter ...please redact all identifiable data.


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so def a managed loan

which I assume didn't happen?

 

so they dumped the card into the OD and sold it on

 

can you remember if you got any leters about that

or from that letter you just upload you ignore everything else?

 

were you paying into the card or the OD under the arrangement until you stopped?


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

spreadsheets 

 

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Hi dx,

I have found statements on the CC from Oct 2013 to Aug 2014.

 

The last payment I made into the CC was Dec 2013.

I received a letter that same month which had a formal default notice enclosed

 

in answer to post 15 was taken out before 2007.

 

The only letter I have is the uploaded one which was the final notice dated may 2014.

 

I was paying a nominal amount directly into the OD account until Jul 2014.

 

I also have the OD account statements.

 

just a quick one on the 31.14 documents required am I right in leaving in 1/2/3/ not sure about 4 and 5 and obviously leaving in 6.

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