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Arrow Global - Claim form - HSBC CC debt

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Name of the Claimant ?   Arrow Global Limited

 

Date of issue – .  02.09.2019

 

Date to acknowledge)- Friday 20th Sept 

date to submit defence - Friday 4th Oct 

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? 

 

1. The claim is for the sum of £3,739.13 in respect to monie owing by the defendant on a credit agreement held by the defendant with HSBC under account number xxxxxxxxxxxxxxxx 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 fron HSBC to claimant, and the defendant has been notified of the assignment by letter. 

Contact drysdenfairfax solicitors on 0113 823 3850

 

What is the total value of the claim? £4,004.13

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?  Not sure

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes

 

Did you inform the claimant of your change of address? No


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 ? After


Do you recall how you entered into the agreement...On line /In branch/By post ? Not sure

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?  Not sure

 

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? No

 

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 sure

 

Why did you cease payments?  I was made homeless when a business failed.

 

What was the date of your last payment? Not sure - sometime in 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? N=o

 

I have written, but not sent (tomorrow) a CCA and CPR 31.14.  

 

I would appreciate some advice on how to respond using the response pack.     

 

Many thanks

 

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Hi and Welcome to CAG

 

I have had to remove your uploads (not that they were required anyway) as your name and claim number were still showing, please make sure you fully redact all uploads in future please.

 

Regards

 

Andy

 

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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
 you DO NOT file a defence at this time
 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]
 

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Thanks for the great, detailed reply. 

 

I have gone through the MCOL and printed out the CCA and CPR 31:14 for sending tomorrow.  

 

Just curious how I determine what the defence is?

 

Thanks again.

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