Probably being dumb here, but once I have sent a CCA request how long do the creditors have to reply. I keep seeing 12+2 but is that 14 working days or 12 days + 2 working days. My CCA request was acknowledged on the 24th of March so when can I send out a dispute letter, or whatever it's called, if they don't reply.

Good thread. Well done deedee and Doch. I'm about to do the same thing so wish me luck!

What's the best way of going about it? I've sent off a N245 form to the courts and a CCA request form to Arrow. What else can I do?

No, I didn't contest it as it wasn't done in my local court and it was all a bit underhand, I didn't know what was going on or what my rights were!!! I feel like I've been taken for a ride and also annoyed with the courts and it appears to have been very one-sided. Basically I could have done with finding this site earlier!

They have taken me to court, given me a CCJ and a charging order even though I have made monthly payments without fail, and have now been granted a warrant of execution all because I have failed to supply them with bank statements and payslips. I have just completed a N245 form and sent off a CCA request letter as I am not going to take this lying down anymore. Comments would be appreciated.

I have been asked to provide bank statements and payslips to Eversheds who are acting on behalf of Arrow Global. Am I obliged to send them this information or is an income and expenses form sufficient?

Thanks, appreciated.

I had 2 bank accounts with Halifax and due to their bank charges this took me over my agreed overdraft. The debt has been passed to Robinson, Way & Company solicitors. I made a repayment agreement with them but they now want more. Is there a template I can send them asking for the debt to be paid off as I feel basically the debt is due to the bank charges imposed by Halifax? Any help would be appreciated. Thanks in advance.

Thought so, lol!! Really want to get one over them!

Why are they being so difficult with me then? Or are you being sarcastic?

hope so!!

Anyone else had problems with Arrow or Eversheds??

I hope mine doesn't turn up!!

Thanks for your reply. I have been making monthly payments to the solicitors £40 for a £6,500 credit card debt, but they are just being difficult. I also had this email from the solicitors late yesterday- Following my response to your last email, I have now had the opportunity to escalate your request to my line manager. He has in turn has contacted Arrow Global LLC. A copy of your agreement, Statements and Terms and Conditions will be sent to you by post today, directly from our Client. You should receive this in the post shortly. Bit gutting as I hoped Arrow haven't got the signed agreement!

Thanks, appreciated.

Thanks Tam appreciated. Any other advice from anyone? I have just emailed the solicitor to ask if they actually have a signed CCA in their possession.

So, where do I stand?? I'm up against time on this, so any advice would be appreciated.

My account is now being dealt with a solicitor acting on behalf of Arrow. I have not missed a single payment but the solicitors have applied for a warrant of execution. I asked Arrow for a copy of my CCA and I have just received this email from the solicitors- We note your request for a copy of the "true signed agreement of the CCA". Regrettably, your request is invalid as no agreement currently exists for this matter. You did not comply with the terms of the Default Notice served upon you in November 2006 and, as a consequence, the agreement was terminated. Additionally, we would like to point out that we were instructed to act on our Clients behalf in this matter in November 2006. In the absence of a response to the Claim issued against you, forthwith Judgment was subsequently obtained against you in February 2008. A Charging Order application was then made and served upon you in March 2009 and the charge subsequently registered against your beneficial interest in your property. Throughout all of the above process, you have not once requested a copy of any agreement in this matter. You have also never disputed that you owe this debt, even making payments toward the Judgment balance. It is with all this in mind that our Client can confirm that it will not be providing you with a copy of the agreement. Are they right in what they are saying or do they need to produce an original signed agreement?? The debt was for a credit card.