Hi Brigadier, The Solicitor has returned my CCA request and cheque advising that they will contact the client and provide the requested documents however they have said that I cannot make the request under CCA 1973, not sure why but anyway thats beside the point. They also wrote that as Arrow have a valid judgement against me they may still enforce it and that I should submit my repayment proposal within 7 days. My question is should I do this or request a response on the other letter I sent advising my intentions to set the judgement asside as I havent received a response nor did they reference it in their letter? I'm still waiting on my SAR from MBNA which is likely to take more than 7 days. Also if/when I did submit a repayment proposal is it unreasonable to request that I pay the same amount that was agreed with MBNA when I was with the CCCA? Thanks B

Great, should I inform the solicitor of what I'm doing?

Hi Brigadier, I've posted off a SAR to Virgin Money this morning and a CCA request to the solicitor, should I reply to the letter they sent me to advise them of my intentions? If I do apply for the judgement to be set aside what sort of defence could I expect to file? Depending on what the SAR comes back with can I dispute the amount owed? Many thanks B

Hi Brigadier, Thanks for your reply, the judgement is in Arrow Globals name as it was filed 22/02/2013 and they purchased the debt back in Nov 2011. Regarding having the judgement set asside what does this entail? Obviously I am happy to setup a repayment plan but like you said they were awarded by default because I never got the documents. I'm kicking myself now because last year I received a couple of letters from Arrow Global at my new address and just binned them as I didnt recognise the name or the amount. Does being on the electoral roll at my new address at the time which they filed for judgement at my old address count as proof. If the judgement is set asside what happens after that. I will complete a SAR request to Virgin money and a CCA request to the solicitor. Should I reply to this email from the solicitor in the mean time and advise them of my actions etc? Thanks for your help B

Hi Guys, Hope someone can help me. I received a letter 2 weeks ago from Blake Lapthorn regarding a claim that had been entered against me advising that it was still outstanding and they would like to help me set up a payment plan etc etc. Now I knew of the debt but hadn't been able to pay anything for over a year and up to this point hadn't received any letter up until now. The debt relates to a Virgin Money agreement taken out in 2007 with the last payment being made in Nov 2011. I stuck my details into the Trust registry at a previous address and lo and behold they had been granted a CCJ in Feb this year even though I hadn't lived there since Dec 2011 and I am on the electoral roll at my new address (They must know where I live as the solicitor sent me this letter to my new address) Now I guess there isn't a lot I can do now but I just wondered where I should go with this. Obviously I know I owe some money but how do I find out what the balance is made up of and what they know about me? I have no paperwork and don't know if there was any PPI etc. The amount outstanding is approx £500 more than the limit of the card. I sent the solictor a letter advising that their clients name, balance etc meant nothing and to provide me with more details, heres the reponse: Dear Mr *** We are able to inform you that Arrow Global Limited are a debt purchase company who have in this case, purchased a debt from MBNA. We can confirm that the debt of £3,935.40 is in relation to a Virgin Money credit card Agreement numbered ************ and dated 30th August 2007. The debt was assigned to our client on 20th December 2011 and notice of the assignment would have been sent to you. The last payment was paid to the account on 25th November 2011 in the sum of £7.00. Please now provide your proposals for repaying the debt owed to our client. Any advice on how to proceed would be greatly appreciated. Thanks B

Fortunately not, it was very similar to their letter but normally with them you get the 72hr notice letter, well at least you did when they were after my parents. Either way no one came round and no one rang, bit difficult without a phone number I guess. On saturday I got a letter from "HL Solicitors" which turned out to be "HL Legal" which I did a fair bit of reading on. I gather that these guys are your standard threat for hire akin to "Russell and Aitkin" and "Midas Legal Services"? I wonder if someone could explain to me at what point this is going to get serious, most of my accounts defaulted in 2008 when my parents house got repossessed and I was forced to move out? Theres been plenty of threats but at what point will they go for CCJ's? I know that at some point I need to pay these debts off but I don't see the point anymore in using the CCCS as they are not flexible enough when you are in dispute with a DCA or do not know who to pay. They just want you to pay a pro-rata amount no matter what? I just feel a bit lost with where to go next. Many thanks Dan

Hi mike I think your right, I reread the letter and it doesn't mention anything about visiting just calling. Should be interesting they don't have my phone number. Thanks Dan

Thanks!, I have just noticed that there is no date stated on which he is coming round just a time? Although the letter is dated 11th May that was nearly a week ago and its turned up today. Thanks Dan

Hi guys, Its been very quiet since my last post however today I received what I thought was a pay slip from work which turned out to be an "appointment notice" from Debt Managers and I quote: "This is to confirm I will be calling at your address between 5:30pm and 7:30pm to discuss repayment of the above account, if this is not convenient please contact Mr Whyte on xxxxxx, Regards Mr Scott" Surely this has to be a wind up, coming from Scotland is a long way? The names don't sound particularly convincing either? I don't have an issue with people knocking on the door only to be turned away but my Fiance is worried they will come when i'm at work and she is at home with an 8 week old baby? Appreciate they have not legal powers but I refuse to communicate with these Idiots. Many thanks Dan

Hi Guys, Thanks for the advice, I think I will hold out and see what else I get. Before I moved and stop paying anything the debts where on the DCA merry go round. I don't understand the logic in this process. The letters get more and more aggresive then you get the "As you have not responded we are passing the account back to our client" letter. It goes quiet for a couple of weeks then it starts all over again? Some of the debts have been to the same DCA twice, Lloyds appear to like Wescott? Many thanks for the advice Dan

Hi Guys, Back in 2007/08 I got myself into a bit of debt, around 22k worth. Ever since then I set up a DMP with the CCCS which collapsed exactly a year ago when the house we were living in got repossessed (not my house thankfully) We then moved to another house which got repossessed in Jan this year (Again landlord not keeping up with payments). we are now in a decent house with a beautiful baby boy and I now feel ready to fight my way out of this mess once and for all. I'd lost contact with all my creditors after the two house moves so I stuck myself on the electoral roll and waited for the letters to roll in, and this week I've had my first two: Apex Credit Management for Lloyds TSB credit card Debt Outstanding: £3583.15 Seems like they have been trying to find me for a while as the first letter is the bog standard "Get in contact now or we will send a nasty man round to speak to you" letter. Now unfortunately I don't have any paperwork relating to this account but what I do know is that the balance outstanding is way more than the limit of the card. I never spent over the limit which was around £3000. I'm just trying to figure out what letter I should send and to whom? Do I admit the debt or not? I should point out that there is only there silly reference number on it no details of what the debt was or any account details. Debt Managers Ltd for Lloyds TSB Overdraft Debt Outstanding £6144.29 Again just your standard please get in contact with us letter, there are no account details on the letter just details of how to pay. Now I know for a fact that the limit was £5000 so it would appear that there are a significant amount of charges added to this balance, is it possible to dispute them? I accept that these are my debts but the balances are wrong, could anyone advise which letters to send and to whom? Do I offer token payments in the letters I send? Or do I offer them pro-rata payments that the CCCS where suggesting. Luckily they do not have my phone number so I am not receiving calls. Many thanks Dan

Hi Guys, So I have spoken to agent who is acting on behalf of the bank. Had a nice chat with the guy there and basically the landlord has failed to keep up with mortgage payments so they have taken receivership of the property and they effectively become our new LL. Now I don't understand what this receivership thing is, is it the same as a reposession? The guy explained that they would send someone to inspect the house and decide whether to sell it or keep it as a going concern with us paying rent. In his words whichever paid the arrears off quickest. Now I've been through a repo and they basically had someone come and change the locks etc but this sounds different can someone explain? I told him that we have just signed a new AST for another six months and he said that it would definately be honoured, however as I explained above I haven't sent this in so my question is do I send it in ASAP? I have spoken to the council who have advised there is ample accomodation available and as I explained the situation she said it would be a lot easier if they just paid the bond + 1st months rent and we go private if worse came to it. However after all the phonecalls today I feel much better about the situation. Any advice on the above would be great. Cheers Dan

Hey guys, Thanks for the advice so far. I have spoken to the landlord, she owns a farm across the road from us so we are on very good terms. She said they had some problems keeping up with the mortgage payments as the house had been empty for some time. She assures me that everything has now been sorted, I gave her the letter and said she would ring them first thing on Monday. I have rang the estate agent and explained the situation, they said they would get head office to call me on monday. My initial thoughts were also to complete the new agreement however I am not happy to pay the £100 admin fee to renew the paperwork. Not a lot I can do now so will sign the paperwork and post without the cheque on monday 1st recorded. I am not happy to take the LL word a gospel as I want to speak to the EA first. I am thinking that they would rather keep someone in the house paying rent then try and sell it empty. Before we took the house on it had been on the market for years as it was in a state of disrepair. I don't care who I pay rent to I just do not want to have to move house so close to having a baby, we moved in 11/2010 as my parents house got repo'd and we were forced to move again in 06/2011 as previous landlord wanted the house back I don't think I can face moving again. Also think I'm going to contact the council about declaring ourselves homeless, I don't have an issue paying rent but I have no way of paying another deposit so if worse comes to it I can get them to stump the bond until I get the money back from this place. Many thanks as always Dan

Yes I am, last week I received the new TA to sign for another 6 months.

Hi Guys, Me and my partner have been in a property for 6 months and this month we are planning to renew tenancy however... this morning I received 2 letters, 1 addressed to the landlord and the other addressed to the occupier so I opened the one addressed to the occupuer. It's from 'UCB Home Loans' and it reads as follows: Now to me this sounds like a home repo or the Landlord has gone Bankrupt can anyone confirm what this means. The advice sheet attached is entitled "Law Property Act 1925" again doesn't really mean a lot but judging from experience of my parents home repo this sounds just that, can anyone give me some advice? My Fiancee is 28 weeks pregnant and I could really do without this! Many thanks Dan