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Orchid47

Arrow/Drydens Claim Form - old Sainsburys Credit Card

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In 2009, I had instructed a company called BPS Law to help me sort out my finances. 

I paid them around £1000 to help sort out my finances !!! 

 

They were a sham and in Feb 2010 I terminated my contract with them because 14 months after engaging them they had still not started on anything and asked for a refund of my monies

 

In March 2010 I requested a CCA and SAR from Sainsburys Bank for an account that they say was opened in March 2003

 

In March 2010 I received a letter from Albion Collections who at that time were given the 12 working days to respond and failed to reply

 

On 9th April 2010 I put the account into dispute

 

I cant recall any other communication and cant find any agreements etc

Then this arrived from the County Court Business Centre last week dated the 25th July 2019

Ive been away working since then

 

So Particulars of claim are;

 

1. The claim is for the sum of £8000.49 in respect of monies owing by the defendant on a credit agreement held by the defendant with Sainsbury's Bank under the account number xxxxxxxxx upon which the defendant failed to maintain payments

2. A default notice was served upon the defendant and has not been complied with

3. The Balance owed was assigned from Sainsburys Bank plc to the Claimant, and the defendant has been notified of the assignment by letter

Contact Drysdenfairfax on 0113 ====

 

 

So, Please can you tell me how I respond?

 

This was 10 years ago, I honestly cant remember what the situation was with this?

 

I don't have any paperwork

 

I don't know if Drysden have a Credit Agreement etc?

 

Am I right in thinking I have to have responded online by the 7th August???

 

 

 

 

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if you could  fill in as much as  you recall Orchid so we have most of the details......

 

https://www.consumeractiongroup.co.uk/topic/357877-you-have-received-a-claim-what-you-need-to-do-updated-jan-2019/

 

You need acknowledge service by Monday 12th August..obviously you will be defending all...defence due Monday 26th August 4.00pm.

 

Andy

 


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Name of the Claimant ?  Arrow Global

 

Date of issue – 25th July 2019

 

Particulars of Claim

 

1. The claim is for the sum of £8000 in respect of monies owing by the defendant on a credit agreement held by the defendant with Sainsbury's Bank under the account number xxxxxxxxx upon which the defendant failed to maintain payments

 

2. A default notice was served upon the defendant and has not been complied with

 

3. The Balance owed was assigned from Sainsburys Bank plc to the Claimant, and the defendant has been notified of the assignment by letter

 

What is the total value of the claim? - £8000

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No

 

Did you inform the claimant of your change of address? N/a


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

 

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

 

Do you recall how you entered into the agreement...On line /In branch/By post ?

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? no

 

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? Not the company that has filed the Claim

 

Did you receive a Default Notice from the original creditor? No

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?Not than I have any knowledge of

 

Why did you cease payments? Recession and loss of work

 

What was the date of your last payment? Was paying £1 monthly until 2015

 

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 I wrote to them in Feb 2010 and offered £1

 

 

Do I need to send a CCA and an SAR to Arrow?

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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 start 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
https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/
 leave the £1PO blank and uncrossed
.
 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/
.
type your name ONLY

no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]
 

 

not sure where cag has ever advised to sent an sar to the claimant ever regarding a claimform. its pointless.

poss only to the OC should you want to trip up the claimant should they produce copy and pasted documents that are not yours...


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ok, thank you, will do this 

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Thanks Andy, done and ready to post :)

 

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