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    • Attached. Sorry about the delay.    The first few pages seem to have gone out of sync when uploading. Sorry about that.    As yet no reply from the company to advise of how much the arrears are to release the vehicle.    edit: this is the second load agreement can’t seem to find the first I think it may still be in the car... I imagine it will be pretty identical though except it was £500 convert-jpg-to-pdf.net_2019-10-17_22-19-27_2-compressed.pdf
    • Thank you dx.   Will I not be sent to a credit agency or affect my credit score?   Thanks so much for your help.
    • I never have to be honest. Their recent discounts are way off what they were before. Used to be 75% off and such.   ill CCa them tomorrow
    • Ah no DX apologies.   its never defaulted. We had a an agreement in place whereby they didn’t default the account so every statement that came through had the interest frozen and I was just chipping away at it.   which is why this doesn’t make sense. Surely it has to default before they sell it? I’m totally ruined if this Company now applies a default .
    • name the issuing court: Airdrie Sheriff Court   Who Is The Claimant: Arrow Global Limited   Who Are the Solicitors: Shoosmiths LLP   What type of action? (Simple/Ordinary): Ordinary   What is the claim for – The Pursuers are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement between the pursuers and hbos plc dated 28/02/2017, the pursuer acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the defenders to the original owner which were in existence as at the date of the agreement, and in particular in relation to the contract hereinafter condescended upon. The said assignation was intimated to the defender by way of a written notice on or around 28/02/2017.   The said contract between the Original Owner and the defender is a regulated credit agreement in terms of Section 189 of the consumer credit act 1974. It is dated 21/01/2008 and relates to a personal loan agreement with account number XXXX. It was a term of said agreement that a failure to meet any instalment on a due date would render the account in default and would entitle the pursuer to serve notice of default on the defender requiring the defender to remedy the breach within 14 days which failing the agreement would be terminated.   date of raised claim :- ?   Last Date Of Service:- ?   Last Date For Response:- 7/11/19?   What Documents are listed in Box E2: a copy of the credit agreement statements of account and notice of assignation will be produced in any defended process to follow hereon.   Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- personal loan     BOX D5 what has the claimant stated: make payment of the sums sued for …..   from your knowledge: answer the following:   When did you enter into the original agreement before or after 2007? 2008   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 purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment?    Did you receive a Default Notice from the original creditor? believe so   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? unsure   When was you last payment:- 11/2016   Why did you cease payments:- 11/2016   Was there a dispute with the original creditor that remains unresolved? no   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes dmp til 11/2016
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Help with csa, my daughter's mother and CSA made me homeless and jobless

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Hello people,


My name is [removed - dx], I am 26 years old., From Bedfordshire.

I have 4 kids (please don't judge) with 3 mother's, 2 of whom we are good,



my youngest child's mother always causes issues

if I give her money like the other 2, she is not grateful and wants more, which is unfair to the other mother's,



she went to CSA and claimed I never got involved with my child and also went to my work place and put in a complaint, claiming I was breaching data protection



a case was brought up but I was okay as she kept changing stories.

But it got to me mentally and I eventually quit my job,



I took a few weeks out of work and worked in a new place

now CSA sent me a letter saying they'll take 50 pound each week from my new wages which was less than I was giving her,



then I received a new letter stating they was going to take 120£ a week.

At the time I was living in a shared house and could barely afford to pay rent with this new job,

let alone pay for my other kids,



I ended up working overtime everyweek and loosing out on sleep,

so I could hardly see my children,



this started to affect my health, my life and was making me really weak, I wasn't eating.


I rang them and pleaded with them,

supporting my case with what I could and saying I couldn't afford what you was taking,

but they had made it so it came straight out of my wages,



I couldn't pay a single penny to my rent,

I couldn't afford food,

or even to pay for my other children,



I eventually became homeless and turned to alcohol (iknow that isn't great, please don't judge) with no home,

I lost my job (which was night shift) I had nowhere to go.


I've had various mental health assessments also.


Until I met a very old primary school friend and he took me into his home up north in Lancashire,

he housed me for a bit while I started work, and got myself a place..

things was going okay, my mental state really improved.



Until I received another letter this morning, stating they will be taking even more money.


Is there anything I can do, I'm sure it is illegal to make someone feel so low and homeless.


If anyone can help that would be much appreciated, even if it's something small....



I just don't know what to do.

Edited by dx100uk

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If you earn over £200 per week and have four children, your child maintenance liability is 19% of gross wages each week/month, and then 15% of any gross income above £800 per week, plus an additional amount towards any arrears which you have. The 19% should be shared between the mothers based on how many children they have. The letter you received should state on it how the amount you should pay is calculated, if your wages on the letter are miscalculated by more than 25%, you can ask for a recalculation.



If it is only one mother claiming through the CMS, the amount you pay is 12% of gross, and then 15% of any gross income above £800 per week, plus an additional amount towards any arrears which you have. The CMS will not take in to account other expenditure which you have.




How much are you expected to pay each week/month?

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They are taking 120 per week from my wages, I get before tax: just under 300 per week

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Does the letter state that you have arrears of child maintenance and is the amount you earn on the letter correct?

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