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iyam71

Arrow/Shoosmiths Pre-Legal Letter

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My partner received one of these this morning - it was from an old but not SB'd Halifax credit card debt.

 

However Arrow have already gone down this route before through Restons.

They sent the same pre-legal letter in December 2017, but failed to produce any documentation after we sent a CCA request.

 

Would the best way to respond simply be to point out that we are still awaiting a copy of the agreement from Restons over a year and a half later?

Or can the fact that they couldn't provide it mean that this new letter can be viewed as an empty threat.

 

As always any advice would be much appreciated.

 

 

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if its not a letter of claim from a solicitor under the pre action protocol rules

then safe to ignore

when was the last payment?

 

tell us about the debt history too.

 


..

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Thanks for your reply.

 

It's a letter from Shoosmiths giving notice of court action within 30 days unless repayment terms can be agreed. As far as I can see it complies with all of the pre action protocol rules you highlighted.

 

The card was taken out in February 2001 according to both solicitor letters. I don't think any payments were missed until August 2015 when financial circumstances changed.

 

 

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then its a pap loc and you must reply as post 2 here

 

 

because..your client and a previous solicitors have failed to comply with a previous CCA request nor supply any relevant enforceable agreement to date


..

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Thanks for your help.

 

Will print out the form and get it in the post asap.

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