HI not I am not on benefits but I filled in the deferred amount form from the Court as they wanted the full amount paying, I had to fill in income and expenditure pay £35.00 to the Court I offerred the £20 a month as I think this is what I can afford comfortably a month, the court accepted it and I was sent confirmation and when I was to pay it from the Court in September 2010. Apparently Arrow Global did not accept this amount and sen another form to the court to reject this offer and apparently the court lost the form and this is why it has taken so long for them to inform me. I have got copies of all correspondence and a copy of the income and expenditure form.

Hi thanks for the advice Martin, no Arrow Global have never asked for an income & expenditure sheet, the only one I did was for the Court to reduce the payment for the full amount, I have a copy of this to take with me I cant believe I have to go to court I really dont want to go but am dreading it but I suppose I will have to all this for a debt of less than a thousand what a waste of time.

Hi does anyone have any ideas please I havnt got a clue and attending court is making me ill, I have contacted Citizens Advice but I am still awaiting an appointment what will I have to do at this meeting it has been allocated 10 miutes I cant afford to pay the £90 they are asking thanks Karen

Hi, I was originally chansed by Arrow Global in May 2007 for a Capital One debt of £1075.00. I requested a copy of my CCA and sent the £1.00 as a postal order with the letter. No CCA was ever returned but they did cash the postal order which they took off my oustanding debt as the balance chaned to 1074.00. This was the last correspondence for this debt I received until August 2010 when a CCJ appeared for the same debt owed to Arrow Global. As I wasnt sure if I had kept the paperwork for this debt I admitted this debt and sent it back, but seemed too late and judement was entered against me and the full amount was payable. As I could not afford this amount I filled in a reduced amount form to the court for which I had to pay £35.00 for and then received the acknowledgement that this was acceptable and paid the first amount in October 2010. Arrow Global informed me that they had changed the Solicitor dealing witht his debt to Chapman and Grange and all payments should be made to them, which I have done every month since. Then today I have recieved from the County Court a re numeration hearing which I have to attend on the 3rd March. I telephoned their Solictors and apparently they do not accept the amount of £20.00 and want £90.00 a month instead as they say they applied to the Court in September but the court lost their request and that is why I have only received this now! All this despite telephoning the Solictors every month and paying the required £20.00 I am confused and at a loss as to what to do next. Any ideas? I have by the way found all the paperwork for this debt from 2007 although doubt it will be of use now. I also have the standing order form they sent for the £20.00 a month. I have been paying with my Debit card so have proof of payments made.

Thanks again Mr Marmite, I have sent a copy of the CCA letter to Bryan Carter along with a letter telling them that I have asked for a copy of my CCA on 31st May and that until this is produced they should take no futher action, but they have already gone over the time line so will have a look for that letter but I know I have had trouble dounwloading these letters before I haven't got the correct software on my computer and I am not able to look at them. I think I will make a complaint to the OFT about these two companies because I have got a feeling they will issue Court Proceedings anyway I sent the letter to Bryan Carter by Recorded Delivery and marked the envleope URGENT PAYMENT ENCLOSED!! Just to make sure they would sign for it!!

Thanks Mr Marmite, They have already had one request for CCA sent on 31st May to Fredrickson they cashed the Postal Order and took the £1 off my debt! They said they had not received the letter though strange as it was in the same envelope as the Postal Order? Unfortuantely didn't send it recorded delivery or if I did I cant find my slip, stupid I know but have sent a letter yesterday to Bryan Carter recorded delivery saying that their Client was issued with a CCA request on 31st May and until they provide me with the paperwork no further action should be taken by themselves I put a copy of the letter sent in May in as well, and they should liaise with their client for further information. Should I send another CCA request to Fredrickson as they are saying they never received the first (even though they cashed the Postal Order) or leave it as it is for now and wait for a reply. Many thanks.

Thanks for the advice, so if i send another letter requesting my original consumer credit agreement with Capital One what is the time scale for them to reply please and if they do take me to court I can defend the whole amount or only part because most of it is made up of charges which I want to claim back. Sorry for the questions but after the phone call yesterday i really want get it right. I cannot down load the template letters on here for the debt collection section dont think I have got the software, can anyone help with the correct wording, quotes etc. Many thanks again.

Please can someone help!! I have an outstanding debt with Capital One which was bought by Arrow Global LLC, but I was informed by Fredrickson International that Arrow had taken over the debt. So on the 31/05/07 i sent a £1 Postal Order and a request letter for a copy of my Consumer Credit Agreement proving my debt to this group and up to today heard nothing. Then this am I have had a FINAL NOTICE from Bryan Carter & Co that unless I pay £1075.00 by 10th August I will be going to Court. I have just phoned them explaining that I have not received anything from Fredrickson (they cashed the Postal Order though) and this very stuck up fella on the other end of the phone told me that there was no copy of the letter and that only the postal order was cashed. He said that they would be issuing Court Proceedings and that I would have to put in a part admission because most of the above amount is charges and I was waiting to hear from Fredirckson before trying to claim these back. I suppose I am too late now and wil have another CCJ against my name as he was very snotty to say that the letter requesting the CCA wouldn't make any difference anyway. Anyone got any ideas of what I should do next. Any help greatly appreciated. Thanks

Hiya, Your next step should be to send your request for your charges back which you give them 14 days to reply, you dont add interest on until you actually fill in your court claim. The nationwide usually send you a standard letter saying no sorry you cant have your charges back. You then send them a Letter Before Action again requesting you charges back if after this letter you still do not get anywhere (which you dont) you then file with court after the 14 days are up, then you add on your interest and court costs. You should read the FAQ's on here it explains every step.

Hiya Haybaby, The nationwide take it to the wire unfortunately and they will probably enter a defence right at the last minute just to draw it out even longer, some have suceeded with e-mails to Eversheds ey=tc, my claim was for nearly £6,000 and they paid up 4 days before the 28 days were up without contacting their Solicitors then others have had to wait even longer its judt pot luck at moment when they pay up, but providing you have done everything right they will pay up, eventually, Good luck:D

Hi Kaf1310, Sory but unfortuantely the Nationwide are not so accomodating and I think you will have to take them to court for the full amount of what they owe you, plus interest and court costs. They are hoping that you will give up and let them keep YOUR money! Why let them get away with what is rightfully yours. They rely on people just giving up and letting them keep your money plus interest. Read through some of the threads on here and you will soon see that you CAN and WILL win back what is rightfully YOURS. Good luck!

Hi Micheboo, I havn't heard from court yet, but have found the interest and court costs have been paid into my other account (which I dont use anymore, and which I wasn't claiming on) very clever, luckily still had a cash card for this account and when I checked the balance, just on a whim there was the rest of my money!! So will be writing to the court to say it has been settled and am going to sent for the last 6 years statements for this account now as I had forgot about it, so really the Nationwide did me a favour about reminding me I had another account and I will be claiming the charges back on this one as well:D

Congratulations SittinPretty71, I have recieved the rest of my claim as well so am all paid up now and looking forward to spending it!!!!! My neighbours are claiming from Barclays and they are having a far more tough time than we did with Nationwide. They started their claim the same time as we did and they are now waiting for an actual court date as they do not want to pay up!! Hopefully everyone will get their money eventually.

Hi Micheboo, I am having a bit of trouble getting all of my claim from them as well. They paid the charges outstanding on the 7th June, but not the court costs or interest. I received a letter from Nationwide today stating that they had paid the charges, interest and court costs, but after checking my account still no interest or court costs. I phoned them and spoke to rather snotty lady named Tracey, who said they had paid the charges, to which I replied yes but where was the remaining interest and court costs. I could hear here tapping away on her computer and she then said it was not her department but she would make sure it was put into the account tomorrow and before I could reply she put the phone down (must be stressed all this money they are paying back! ). The 28days are up tomorrow so I can guess the defence will be that they have paid so I will be checking my account again tomorrow with interest.

Hiya Skeggsy, My case is not finalised yet they only paid me on Friday (8th June) and the interest and court cost are on the N1 form submitted to the court so they still owe me another 1,400 yet. They have until 13th June to put in a defense which I'm guessing will be Claim already paid so waiting to see what they do first.