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Unknown Arrow/Restons CCJ - RE MBNA card - now AEO - help!


Sirbob00
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My husband had a letter from our local county court requesting him to complete an income/expenditure form.

 

The client was Arrow.

Due to a lot of financial stress in 2014 and loosing our home I had forgotten about the debt but noticed last year a CCJ for Arrow.

It relates to an old MBNA credit card.

 

I phoned Arrow who told me to ring Restons.

My husband gave permission for me to deal with it.

 

I responded by asking for a copy of the CCA so awaiting their response.

 

I also called the court and they asked if my husband was employed.

I advised no so she advised fill out the form stating unemployed and as the forms were a attachment of earnings form she says as he’s unemployed they can’t take it any further.

 

Is there anything else I need to do.

 

Thanks

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good you are doing well.

 

but STOP phoning the fleecers or their dogs

 

get back on to northants bulk

and ask for a copy of the Claimform and judgement CCJ by email PDF

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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they are correct sadly

never run away from debt else this happens.

 

you have the CCJ number

ring northants bulk court Monday

ask for a copy of the claimform & the judgement CCJ by email PDF

 

Tell us the history of the card please too

 

Last payment etc

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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what address was the CCJ against... present one?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

did you ever write to the original creditor or tell them of that address?

 

n244 [set aside the judgement ]

or n245 [vary the judgement]

 

time

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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No. The debt hasn’t been with the original creditor for a long time.

 

I think it’s been with Arrow since 2008 and we had been paying pay plan for a few years

but in 2014 when everything got to much due to my husbands ill health and loosing his job we stopped paying non priority debts and allowed our home to be repossessed so we could save a deposit and rent.

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so up until the repo that house was the last address PP knew so the last address your creditors had been updated with?

so the repo address is the one the CCJ was filed against?

 

did you not update PP anymore after you moved?

 

but anyway post 2 please go ring northants bulk...

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

With Payplan we’d been paying but apparently while someone was doing a review on our account they done some error with it so the money I’d been paying was never sent to my creditors. They apologised but due to being a bad time in our lives I closed my account with them.

 

We moved house a few months later

 

I’ll ring Northants bulk and ask for a copy of the CCJ although I’m not sure how this will help us

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claimform and the CCJ!!

 

we need the particulars of claim which are only on the original claimform...

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I think given that your renting and your husband is currently unemployed...and that the CCJ was awarded in 2014...as the court has already advised there is little else Arrow can do with the judgment.

 

They have a further 2 years to try to execute...given your circumstances I see little success.

 

I personally would return the AoE as advised stating unemployed and return it...that should be the end of the matter.

 

Setting a side the judgment seems inappropriate given your circumstances...as for varying the judgment to monthly payment...thats an option for you to decide if you wish to start making payments....but as stated there is little else they can do or move forward with with regards the judgment.

 

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

 

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what about a warrant of execution.

would a (this) creditor consider that option?

 

Never seen one from this claimant Ford...thats Cabots trick...we dont know the value of the judgment.

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 Topic please PM me a link to your thread

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The CCJ was awarded in 2016. The debt is for just over £13,000.

 

I’ve returned the AoE but as the lady said my husband is unemployed due to poor health, my house is rented and the car is on mobility so there is nothing further the court can do.

 

I’m awaiting a response about obtaining the CCA.

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" The CCJ was awarded in 2016. The debt is for just over £13,000."

 

So over 5 years to run before it falls off your CRAs..with you posting 2014 in your initial post I assumed that was the date of judgment.

 

Application to set a side (N244) is £255...(if you have grounds to set a side)....application to vary the judgment (N245) to monthly affordable payment £50

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 Topic please PM me a link to your thread

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who are they?

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

by email yes?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

No he just said they’d post it out to me. Didn’t offer any alternatives.

 

Restons have responded and said as a CCJ has been registered then they are under no obligation to provide a copy of the CCA. Is this correct?

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yep

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 years later...

.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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