Arrow/Drydens claimform - friends old M&S Store Card Debt

[padbear]

Recently my partner has started to receive letters from the above company regarding a debt. Date of original agreement was 02/10/2006.

 

This debt was left to her from her ex-husband and at her wits end she visited a independent debt advisor and a payment plan was set up, and she has been paying this since 2009 and last payment was last month.

 

Drydensfaifax are now demanding full payment of the debt, so any advice on how to deal with this would be appreciated.

 

I am aware that since payments have been made up to last month this is not statute barred.

 

Would a request for a CCA be worth while? 

 

 

[BankFodder]

Yes definitely you should make a request for a CCA agreement. I'm afraid that by making payments all of this time – even though they were probably very small payments, you have The debt alive.

Maybe you can give some details of the debt – particularly who are the original creditors? Was it a loan or an overdraft?

[padbear]

It was with M&S financial services and I think a store card.

[fkofilee]

Wait - So payments have been made under arrangement and they are now forcing full payment with a valid payment plan in place?

 

[dx100uk]

Cash cowed blind..

Cca request time

[ericsbrother]

people cannot gift debts so explain what you mean- was it a card in her name that hubby used, a joint card or something else?

[padbear]

Hello all,

I am enquiring on behalf of a friend of mine.

 

They incurred a debt from M&S on the break up of her marriage some years ago.

The debt was incurred by her ex, but seeing that she was also named on the account they have chased her, ex no where to be seen.

She was on a limited income with mortgage etc to be paid and as a result went to money lifeline and with their help the negotiated £1 pm which she has diligently paid.

 

Now letters have started to arrive from Drysdenfairfax demanding payment and have started CCJ proceedings against her.

 

Unfortunately at this moment she is not at home at the moment and she is un-contactable.

I have written to DF to explain this and I cannot fill in any income and expenditure on her behalf for obvious reasons.

 

All this seems to have fallen on deaf ears as they sent another letter to her, that she must give permission for me to act on her behalf.

I can not even fill the county court form as I don't have that info.

 

It has now come to the stage that a judgement will be made, any advice please

 

Padbear

[dx100uk]

what have you got an N1 claimform from northants bulk court in a large A4 brown envelope

the further information box has a password at the end yes?

 

 

[padbear]

Yes that is correct!

[dx100uk]

good work

so you can do it for her

nothing stopping you.

 

please complete this

 

 

[padbear]

Can I still do it even tho it is addressed to her and I fear I may be too late as I have been away myself and only just found it.

[dx100uk]

Fill that link out

Until we have all the correct info we dont know