I rang courts today to check the status and the case has been discontinued many thanks for your help

Thank you

ok thank you

So they can keep this stayed indefinitely? 

Ok can I ask for the stay to be removed and the court case to be cancelled? 

It’s about to become statue barred I believe as the last payment was in March 2012 and default notice was August 2012

I mean Dryden fairfax is they and I believe it was stayed as they failed to provide

Ok thank you

seagulls don’t know why it keeps powering seagulls 

well I saw it on another forum and wanted another opinion but thanks for that

My apologies for not returning till today they cancelled the court hearing as they did not provide the credit agreement I asked for and I have not heard from them since

Because a noa can fall under sec 136 of lop act as the debt has to be assigned it doesn’t have to have a connection to original agreement as the debt has to be reassigned which comes under sec 136 it’s the same with mortgages they don’t have a connection to the original agreement but still fall under this when the debt is reassigned

Hi I took out a loan with mini credit back in 2012 they went under in dec 2014 and in a letter to the fca states that all debt that had been transferred had to give a notice of assignment by 29/12/19.

I have found an email from opos on the 21/1/14 with a notice of assignment.

I believe under sec 136 of the law of property act 1925 that this debt is now unenforceable am I correct? 

I have a court hearing on the 3rd June re this case but arrow have not submitted documents to the court or myself can I have the case thrown out?

thank you

ive received instructions to send the court all documents on what I will rely on in my court hearing but I have not had a reply to the cpr 31.14 yet well they sent me a letter saying when they were allocated the debt and when they issued notification and what the debt is for but they have not sent any written agreement from myself for the debt or any other information.

I still have not had a reply to the cpr 31.14 from Arrows solicitor and now I have been given a court date for june and have to submit my Witness Statement what do I do now?

i have till 2pm on the 11th may to submit my evidence and statement

I've had a letter from the court asking whether id like to have mediation do I send it back as a yes?

Thanks ive put my defence in

thanks i got that from this site somewhere think i typed in defence and it came up with it

I xxxxxxxxx of xxxxxxxxxxxxx am the Defendant in this action and make the following statement as my defence to the claim made by Arrow Global Limited

old embarrassed defence removed - dx

with it being a bank holiday wouldnt i have longer?

name Of Claimant arrow global limited

Date of issue – 30 nov 2015

POC

1 the claim is for 3180.58 in respect of monies owing by the defendant on a credit agreement held by the defendant with shop direct under account number xxxx upon which the defendant failed to make payments

2 default notice was served upon the defendant and has not been complied with

3 by virtue of a sale agreement between shop direct and the claimant, the calim vested in the claimant who has a genuine commercial interest. the defendant has been notified of the assignment by letter

What is the value of the claim? 3180.58

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? catalogue debt

When did you enter into the original agreement before or after 2007? cant remember

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. assigned to dryden fairfax

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? yes

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no

Why did you cease payments? buried head in sand when i had a lot of debt from payday loans

What was the date of your last payment? 2012

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 managementicon plan? yes

i have had a claim form sent to me re a catalogue debt

i have asked for cca

they have now said my case is on hold

do i still put in SAR and put my defence in befre the deadline?

ive only another 5 days to do this as they have only just replied to the CCA that the case is on hold.

also ive looked online at the claim and it doesnt say anything about being on hold

As the FCA have agreed to this would it be worth me writing to other payday lenders and asking them to do the same as they haven't carried out the affordability checks either.